Glossary of Terms and Insurance Services in the Event of a Car Accident

Car insurance in AlbertaThe thought of being involved in an automobile accident rarely crosses our minds. Maybe it is the assumption that we are safe drivers and collisions only happen to other people. This false sense of security renders us unable to process the next steps when the inevitable does happen. If you are in a fender-bender, do you know what you need to do? Can you make sense of all the new terms that will be thrown at you? Words like “Statement of Claim”, “Fault”, or “Bodily Injury Adjuster” can make your head spin.

The team at TSG Insurance Company is here to help you navigate the murky waters of insurance claims. We provide residents in Medicine Hat, Calgary and Brooks with insurance services to keep you on the right side of the law.

Simple Glossary to Help You Handle Post-Car Accident Tasks Effectively

When an accident does happen, whether or not it is your fault, you need to know what to do. If you are hit by an uninsured driver or one who flees the scene, you must be aware of the actions you can take. Getting through the initial process is just the beginning. You may find yourself overwhelmed with unfamiliar terms as you are inundated with more procedures.

In 1947, the Motor Vehicle Accident Claims Program (MVAC) was created to protect victims injured by uninsured drivers. Through the MVAC, the Province of Alberta, Justice and Solicitor General provides a list of terms that they use. Here are a few to be aware of:

  • Plaintiff: The person who begins the lawsuit and claims damages.
  • Defendant: The person against whom the lawsuit is commenced.
  • Fault: When someone contributes to the accident (wholly or in part), he or she is said to be “at fault” for both the accident and any injury, death or property damage that resulted.
  • Statement of Claim: The document filed at the Court of Queen’s Bench that commences and describes the plaintiff’s claim.
  • Bodily Injury Adjuster: The representative of the Administrator assigned to handle the claim file.
  • Judgment: A determination made by a Judge or Court, set out in a document filed with the Court. A Consent Judgment is similar, except that it is agreed both by the parties and then signed by a Judge or the Court and filed with the Court.

Insurance Services from a Trusted Alberta Broker

For additional information about the Motor Vehicle Accident Claims Program (MVAC), you can go to their website. Remember to reach out to your insurance company for directions on what to do next. For over 30 years, the caring team at TSG has served the citizens of Alberta with auto, home and life insurance. We work with you to get you the best policies for your needs and budget. Our licensed professionals are happy to go over your options.

Contact us for a free quote, and we will respond as quickly as possible. You can also call us toll-free at 800-830-9423 to book an appointment at one of our convenient locations in Calgary, Brooks, Medicine Hat, Edmonton or Bassano.