Section B (No-Fault Accident) Benefits are a mandatory part of all automobile insurance policies in Alberta. You don’t need to sue to receive compensation under your accident benefits. Instead, you bring a claim against the responsible insurance company. While Section B Benefits help cover some of the expenses related to your injuries and medical treatment, the amount of coverage is capped and treatment cost coverage ceases after two years. These accident benefits also won’t cover some non-pecuniary costs such as pain and suffering.
Personal injury damages help fill in the gaps of Section B (No-Fault Accident) Benefits and are not subject to automatic limits in duration or compensation. Personal injury damages are sought through litigation, which may or may not include court proceedings. It is vital to consult with a personal injury lawyer as soon as possible to determine whether you have a claim for personal injury damages in addition to accident benefits covered by insurance.