Before creation of insurance companies, those involved in an automobile accident had to look for the money that could be used to cover cost of damage to the affected vehicles. Eventually, those drivers that had taken out insurance policies looked to them, when seeking compensation for damage that had resulted from the colliding of two or more vehicles. At first, those same policy holders felt satisfied with minimum liability insurance.
Eventually, though, the insurers of motored vehicles began pushing their customers to purchase an enhanced policy. Today, the market provides a driver with the chance to pick from an array of different policies, each of which delivers specific benefits.
What sorts of policies now promise delivery of such benefits?
Any policy that promises extra medical coverage serves as an example of the type of insurance that claims to deliver enhanced benefits. Those enhancements do not ensure the policy holder with access to newer treatments. Rather, the thing that gets enhanced is the degree to which a recovering victim can enjoy a few special benefits. In the past benefits like the ones available now could only go to the driver that had could not be declared “at fault.” At that time, someone that wanted to sue the driver that had been shown to be “at fault” had to rely on the courts, in order to obtain a larger level of compensation. Then government rules led to introduction of no-fault insurance. That change in the law triggered introduction of statutory accident benefits.
What are such benefits, and how can they be obtained?
Statutory accident benefits provide coverage of any claims made by those persons that were involved in an accident, when the insured person was one of the drivers. Each promised benefit has been designed to help the injured person resume a life that is as normal as possible. Hence, it does not have to be something that heals the physical harm to one person’s body.
It could relate to medical costs, or to the cost of rehabilitation or of attendant care. It could also concern payment of caregiver benefits. In addition, it might promise housekeeping or home maintenance benefits. In fact, some people have been known to buy a policy that ensures them of monetary coverage for added child care expenses. However, it is best to talk with an Injury Lawyer in Grande Prairie to ensure that your rights are protected and safeguarded.