There are several things you should do after you’ve been in a car accident and some of them are time sensitive. It’s better to deal with a few forms and calls now than try to clean up a mess later!

In it’s simplest form, an insurance policy is an agreement to cover you against a loss. Most people have a few forms of insurance, for example: life insurance, home insurance, disability insurance, medical insurance, and car insurance. When buying insurance, you are entering into a contract with your insurer and both you and your insurer have obligations under that contract.

In 2003, a “CAP” for minor personal injuries was put in place by the New Brunswick Government as a result of ever increasing automobile insurance premiums. The selling point behind the minor personal injury cap was to reduce compensation for pain and suffering paid to injured people who suffered from a minor injury, recovered, and were able to return to their pre-accident level of function.