05-27-2017, 03:21 PM
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#1
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Backup Goalie
Join Date: Oct 2016
Exp:
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MVAC - car accident driver had no insurance
My step sister was a passenger in a car that didn't having insurance. From what I've seen on the web there is a fund for situations like this called MVAC for up to 200K. It's good there's a program like this to protect people.
How long does this process take? From my understanding you've got to serve the defendant (i made a thread asking about serving) but now instead of working on a settlement with insurance its government. The defendant can get a lawyer or get the MVAC ro act as one?
She has a lawyer but I just want to educate myself on Thisbe stuff so I can have convos with her.
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Hey, why don't I just go eat some hay, make things out of clay, lay by the bay? I just may! What'd ya say?
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05-27-2017, 04:10 PM
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#2
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Franchise Player
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An old girlfriend used it with no problems. she had her $3000.00 car written off in a hit & run by a large truck and they payed her $3700.00 for it.
I think it was about a month.
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05-27-2017, 04:12 PM
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#3
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Backup Goalie
Join Date: Oct 2016
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Quote:
Originally Posted by Snuffleupagus
An old girlfriend used it with no problems. she had her $3000.00 car written off in a hit & run by a large truck and they payed her $3700.00 for it.
I think it was about a month.
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It was my understandings MVAC doesn't cover loses of car. Just personal injury and loss of income/future incomes. Pain&suffering etc.
__________________
Hey, why don't I just go eat some hay, make things out of clay, lay by the bay? I just may! What'd ya say?
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The Following User Says Thank You to HappyGilmore For This Useful Post:
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05-27-2017, 04:22 PM
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#4
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First Line Centre
Join Date: Aug 2006
Location: Calgary, Alberta
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Quote:
MVAC pays for judgments for personal injuries and pays some medical benefits. To be compensated for injuries, a court action must be commenced against the uninsured driver at fault.
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Link
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05-27-2017, 04:27 PM
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#5
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Backup Goalie
Join Date: Oct 2016
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Quote:
Originally Posted by GreatWhiteEbola
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Thanks for the link. I've read a few of those. I guess I'm more so looking for personal experiences either friends / family's or yourself. Do these things take years? Are payouts fair?
__________________
Hey, why don't I just go eat some hay, make things out of clay, lay by the bay? I just may! What'd ya say?
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05-27-2017, 04:32 PM
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#6
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Franchise Player
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Quote:
Originally Posted by HappyGilmore
It was my understandings MVAC doesn't cover loses of car. Just personal injury and loss of income/future incomes. Pain&suffering etc.
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Maybe it wasn't this MVAC but some type of victims insurance paid for it as she wasn't carrying collision insurance.
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05-27-2017, 04:36 PM
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#7
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First Line Centre
Join Date: Aug 2006
Location: Calgary, Alberta
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Quote:
Originally Posted by Snuffleupagus
Maybe it wasn't this MVAC but some type of victims insurance paid for it as she wasn't carrying collision insurance.
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Can you find out more information on this? Was this in Alberta? Due to a mistake by my broker, I wasn't covered and I was a victim of a hit and run. My understanding was there was no recourse. be nice if I could get a payout...
Last edited by GreatWhiteEbola; 05-27-2017 at 07:34 PM.
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05-27-2017, 04:49 PM
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#8
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Lifetime Suspension
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Does SEF 44 coverage come into play here if you have it?
I wish I knew more about insurance. Keep this thread updated with what you find out.
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05-27-2017, 04:52 PM
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#9
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Franchise Player
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Quote:
Originally Posted by GreatWhiteEbola
Can you find out more information on this? Was this in Alberta? Due to a mistake by my broker, I wasn't covered and I was a victim of a hit and run. My understanding was there was no recourse. I'd be nice if I could get a payout...
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This was quite a few years ago, I'll give it a shot and try and find her, it's a good excuse to say hi to her again
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The Following User Says Thank You to Snuffleupagus For This Useful Post:
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05-27-2017, 04:54 PM
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#10
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Backup Goalie
Join Date: Oct 2016
Exp:
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Quote:
Originally Posted by taco.vidal
Does SEF 44 coverage come into play here if you have it?
I wish I knew more about insurance. Keep this thread updated with what you find out.
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She has SEF 44 and even tho car was at home in the garage it'll cover anything that goes over the 200K MVAC ccap up to 2 mill (or 1 depends on what your coverage is)
__________________
Hey, why don't I just go eat some hay, make things out of clay, lay by the bay? I just may! What'd ya say?
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05-27-2017, 05:02 PM
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#11
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Franchise Player
Join Date: Dec 2006
Location: Calgary, Alberta
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Quote:
Originally Posted by taco.vidal
Does SEF 44 coverage come into play here if you have it?
I wish I knew more about insurance. Keep this thread updated with what you find out.
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That's what SEF 44 is. Basically if someone hits you and are uninsured, or under-insured then your insurer can respond to the claim.
There is coverage for uninsured motorists though, and it's fair and straightforward. If she has a lawyer I'm sure they're on it and will walk her through.
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The Following User Says Thank You to Slava For This Useful Post:
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05-27-2017, 05:08 PM
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#12
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Backup Goalie
Join Date: Oct 2016
Exp:
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Quote:
Originally Posted by Slava
That's what SEF 44 is. Basically if someone hits you and are uninsured, or under-insured then your insurer can respond to the claim.
There is coverage for uninsured motorists though, and it's fair and straightforward. If she has a lawyer I'm sure they're on it and will walk her through.
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Ha I'm sure they will. I just like being aware. From your understanding do these cases take a very long time settle? Is it time consuming due to government bring involved ?
__________________
Hey, why don't I just go eat some hay, make things out of clay, lay by the bay? I just may! What'd ya say?
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05-27-2017, 05:39 PM
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#13
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First Line Centre
Join Date: Mar 2007
Location: Calgary
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My wife was rear-ended by a driver without insurance. Perhaps because her injuries were significant it took years to get it resolved and she ended up with what her lawyer said was less money than she would have got if the driver was insured. But she did in the end get paid for medical expenses etc.
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05-27-2017, 05:51 PM
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#14
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Backup Goalie
Join Date: Oct 2016
Exp:
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Quote:
Originally Posted by Ashartus
My wife was rear-ended by a driver without insurance. Perhaps because her injuries were significant it took years to get it resolved and she ended up with what her lawyer said was less money than she would have got if the driver was insured. But she did in the end get paid for medical expenses etc.
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That's too bad. Her injuries are also significant. Spent weeks in the hospital. Sounds like the MVAC are low ballers then! Did your wife even get to or near the 200K cap?
__________________
Hey, why don't I just go eat some hay, make things out of clay, lay by the bay? I just may! What'd ya say?
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05-27-2017, 06:21 PM
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#15
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Lifetime Suspension
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Quote:
Originally Posted by HappyGilmore
Ha I'm sure they will. I just like being aware. From your understanding do these cases take a very long time settle? Is it time consuming due to government bring involved ?
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Quote:
Originally Posted by HappyGilmore
That's too bad. Her injuries are also significant. Spent weeks in the hospital. Sounds like the MVAC are low ballers then! Did your wife even get to or near the 200K cap?
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In most cases, the law allows you up to two years to file your claim or lawsuit. Its my understanding that in most situations people will wait until almost the end of that period to file their claim. The severity and impact of injuries isnt always known quickly after the accident so if it may be unwise to settle a claim early or quickly.
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05-27-2017, 06:41 PM
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#16
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Backup Goalie
Join Date: Oct 2016
Exp:
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Quote:
Originally Posted by taco.vidal
In most cases, the law allows you up to two years to file your claim or lawsuit. Its my understanding that in most situations people will wait until almost the end of that period to file their claim. The severity and impact of injuries isnt always known quickly after the accident so if it may be unwise to settle a claim early or quickly.
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Very understandable. The poster I quoted however said several years.
__________________
Hey, why don't I just go eat some hay, make things out of clay, lay by the bay? I just may! What'd ya say?
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05-27-2017, 07:11 PM
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#17
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In Your MCP
Join Date: Apr 2004
Location: Watching Hot Dog Hans
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Can you not go after someone personally if they are not insured?
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05-27-2017, 07:17 PM
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#18
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Backup Goalie
Join Date: Oct 2016
Exp:
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Quote:
Originally Posted by Tron_fdc
Can you not go after someone personally if they are not insured?
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Well you are suing them. Have to serve them. Money will come from MVAC the defendant will have to repay The settlement amount to MVAC. Could get costly.
__________________
Hey, why don't I just go eat some hay, make things out of clay, lay by the bay? I just may! What'd ya say?
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05-28-2017, 12:25 PM
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#19
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Franchise Player
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Quote:
Originally Posted by Tron_fdc
Can you not go after someone personally if they are not insured?
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People without car insurance are usually judgement proof due to lack of assets...
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05-28-2017, 12:48 PM
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#20
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Franchise Player
Join Date: Jan 2010
Location: east van
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Quote:
Originally Posted by HappyGilmore
That's too bad. Her injuries are also significant. Spent weeks in the hospital. Sounds like the MVAC are low ballers then! Did your wife even get to or near the 200K cap?
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It's a charity, what would you expect?
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