Every auto insurance policy in Alberta contains what is called an "S.P.F. No. 4" or "Section B" policy.

What is "Section B"?

Section B benefits, or Accident Benefits, last up to two (2) years from the date of an auto accident; or, for up to $50,000 in medical treatment costs and care, whichever comes first. 

Your own insurance company will provide you with an adjuster who is able to walk you through the claims process. This very important coverage allows injured persons to get the treatment and help they need to recover from an accident. Thanks to your section b policy treatment costs do not have to come out of your pocket, especially at a time where you may be out of work and unable to pay bills. 


Unable to work because of injuries, while waiting for a case to settle, or go through the courts?

There is also a wage replacement, or "disability benefits" component to your policy. If you cannot work because of your injuries your Section B Adjuster will issue you benefits up to a caped amount to cover some of that wage loss. This may not cover your full salary and that is where we come in to claim any lost wages (past and future) through the at fault driver (which in most cases means through their insurance company). Call us today to discuss your entitlements for lost wages due to an accident. 


What if the accident was my fault? What if I am not the one named under the insurance policy? 

Section B coverage automatically extends to everyone in the vehicle at the time of the accident, regardless of whether they caused the accident, or whether or not they are named on the vehicle policy. 


What types of things does my Section B cover?

  • physiotherapy
  • massage therapy
  • chiropractic treatments
  • TMJD assessment and treatments
  • PTSD assessment and treatments 
  • special medical equipment
  • workplace accommodation equipment
  • other medically necessary items and/or treatment 

For specific policy wording visit: Section B - Accident Benefits Policy SPF No. 4 - Alberta


If your insurance company is not providing the benefits you are entitled to they may be acting in bad faith, which results in a claim against them that is actionable in court. Maynes & Radovici Lawyers have successfully pursued and negotiated such claims as an additional service to the injured clients we represent. 


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