In Edmonton, where hit-and-run accidents are an unfortunate daily reality, victims are often left grappling with not only physical injuries but also the daunting challenge of seeking compensation. The aftermath of a hit-and-run accident or a collision with an uninsured driver can leave victims in physical pain and emotional turmoil. Aside from the immediate trauma, victims are often burdened with mounting medical bills and the daunting prospect of seeking compensation when there seems to be no one to hold accountable.
In Alberta, the Motor Vehicle Accident Claims Act and the subsequent Motor Vehicle Accident Claims Fund (MVAC) offer an option for those injured in such incidents. It’s a nuanced system, but understanding how the MVAC works can be crucial for victims to access the financial support they need.
Understanding the Motor Vehicle Accident Claims Program
The Motor Vehicle Accident Claims Fund (known as “the fund”) serves as a last measure for victims who’ve exhausted all other avenues for compensation. It’s essential to remember that if any insurance coverage is available, even partially, MVAC claims will be ineligible.
Here’s a breakdown of the key eligibility criteria for MVAC:
- -Bodily Injury Only: The MVAC solely covers bodily injuries sustained in a vehicle accident. Property damage claims are not eligible.
- -Residency: Applicants must be Alberta residents. However, those residing in jurisdictions with similar programs may still qualify.
- -Location: The accident must have occurred within Alberta’s borders.
- -Fault: The accident must be solely attributable to an uninsured or unidentified driver.
- -Interim Medical Costs: If you’ve exhausted your own insurance’s medical benefits, you may apply for interim medical expense coverage through the MVAC.
SEF 44 Endorsement: A Safety Net for the Unexpected
Even when faced with a hit-and-run or an accident involving an uninsured driver, there are some other elements of your auto insurance coverage that may be able to provide relief that are not commonly discussed. Alberta drivers have the option to add Family Protection Endorsement (SEF 44) to their auto insurance policies. This additional coverage acts as a crucial safety net, allowing you to claim against your own insurance policy up to your third-party liability limits if you’re injured in an accident where:
- -The at-fault driver is underinsured.
- -The at-fault driver is uninsured
- -You’re the victim of a hit-and-run
- -The at-fault driver cannot be identified
Proactively adding SEF 44 endorsement to your auto insurance policy can be critical to your financial recovery if you are injured in a hit-and-run accident. While the Motor Vehicle Accident Claims Fund provides a last resort, SEF 44 often offers significantly higher coverage limits and a broader range of benefits, ensuring you have the resources to address medical expenses, lost income, and other damages resulting from the accident. This is a coverage worth exploring if you have it as part of your policy and having an injury lawyer review to determine if it can be used to recover compensation needed to cover your injuries and rehabilitation.
Who’s Protected by SEF 44?
SEF 44 is aptly named “Family Protection” because its coverage extends beyond just the insured driver. It can also protect:
- -Your spouse (married or common-law, under certain conditions)
- -Dependent children or relatives residing with you
- -Your parents or relatives residing with you and financially dependent on you or your spouse
Importantly, SEF 44 coverage is attached to the individuals, not the vehicle. This means it may apply even if you or your covered family members are injured as pedestrians or passengers in another vehicle.
Don’t Let the Unexpected Derail Your Life
While no one plans to be involved in a car accident, let alone in one with an uninsured or unidentified driver, SEF 44 can offer valuable peace of mind. For a relatively small premium increase, you can ensure that you and your loved ones have a financial safety net in place should the unthinkable happen.
Watchmaker Injury Law: Navigating the Complexities
Hit-and-run accidents and collisions with uninsured motorists present unique challenges. The legal team at Watchmaker Injury Law has extensive experience guiding victims through these difficult situations. We understand the intricacies of the MVAC and the Motor Vehicle Accident Claims Act, and we’re dedicated to fighting for your right to compensation.
Get the Compassionate Help You Need from Watchmaker Injury Law
The physical and emotional toll of a hit-and-run or uninsured driver accident can be immense. At Watchmaker Injury Law, we believe that victims shouldn’t have to face the additional burden of navigating a complex legal system alone. We offer free consultations to discuss your case and explore your options. Let us help you decode the Motor Vehicle Accident Claims Act and pursue the compensation you deserve.
