FAQs

Your Insurance Questions, Clearly Answered.

In most cases, you have 3 years from the accident date to make a claim. However, it is prudent to make a claim as soon as possible after your accident to give you the best possible chance to gather the requisite information and evidence to advance your claim. Children under the age of 18 years have 3 years from the date of their 18th birthday to initiate a claim.

Due to the unique nature of every personal injury claim, it can be difficult to estimate exactly how much your claim is worth. The final figure you receive will depend on several factors, including the severity and duration of your injuries and the complexity of your case.

Yes, you can still make a claim even if there were no witnesses. Other forms of evidence, such as photographs of the scene and medical reports of your injuries, can substantiate your claim. However, having a witness can strengthen your case. If you are concerned about the strength of your case, speak to us today to learn more about the potential outcomes of making a claim.

A straightforward case in which your injuries are relatively minor and fault is accepted by the defendant can be resolved in six to nine months.

Complex cases involving more serious injuries warranting several medical examinations by our independent medical experts and/or complex disputes relating to liability can take one to two years, or maybe more. No two cases are the same and each case will progress based on the complexity of the issues involved.

If you are fully at fault, you are not entitled to make a claim.

If you were partially at fault, you will be described as having been contributorily negligent. For example, if you are considered or found by the court to have been 25% contributorily negligent, your compensation award will be reduced by 25% to reflect this.

By law, your employer cannot dismiss you for making a claim. If you are dismissed because you have made a claim, you may be entitled to make a claim for unfair or wrongful dismissal.