Most people badly underestimate what their injury claim is worth, which is exactly what the insurance company is counting on. In Alberta, full compensation spans several categories, and a strong claim accounts for every one of them.
What you can recover
- Pain and suffering (general damages) for the physical and emotional toll
- Past and future loss of income, including reduced earning capacity
- Cost of future care: treatment, medication, and assistive devices
- Out-of-pocket expenses, from physiotherapy to mileage to home help
- Loss of housekeeping capacity when you can no longer do what you used to
The "minor injury" cap, and why the label matters
Alberta places an annually-adjusted cap on pain-and-suffering awards for injuries classed as "minor" (certain sprains, strains, and whiplash). Insurers push that label because it limits what they pay. Many injuries do not meet the definition, and proving it is often where the real money is won or lost.
No calculator can value your claim
The right figure depends on your injuries, your recovery, and your losses. We review all of it for free and pursue the maximum compensation the law allows.
This article is general legal information for Calgary, Alberta and is not legal advice. Every claim is different, contact us for advice on your specific situation.