Having access to the right legal support without leaving your community can make a significant difference after a car accident, especially when you are dealing with recovery. In the past, many Red Deer residents traveled to larger cities to get help with injury claims, which added time, cost, and stress to an already difficult situation.
Our Red Deer location offers the same experience and care as our larger Alberta offices, making help more accessible without the need to travel. Call us at (587) 960-4080 today for a free consultation.
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Get answers to the following topics and questions:
- Litco Law’s Red Deer Legal Team—Local Guidance You Can Trust
- What Are Section B Benefits in Alberta?
- What Do Section B Benefits Cover?
- Who Is Eligible for Section B Benefits in Red Deer?
- Understanding Section B as a Central Alberta Resident
- What to Do After a Car Accident in Red Deer
- Understanding the Difference Between Section B Benefits and Injury Claims
- Time Limits for Pursuing Section B and Injury Claims in Red Deer
- Frequently Asked Questions About Red Deer Section B Benefits
- Our Red Deer Section B Benefits Legal Team Can Help You Today
- Find Out if You Have a Motor Vehicle Accident Claim in Under One Minute for Free
Litco Law’s Red Deer Legal Team—Local Guidance You Can Trust
Litco Law is a family-owned law firm that has helped Albertans with injury and benefits claims since 1976. Here’s what sets our team apart:
- Free consultations: We can arrange a free consult at your convenience, in person at our Red Deer office or by phone.
- Cost structure: We never bill by the hour. Our fee is a percentage of the settlement we recover for you, and you don’t pay us unless and until your claim is resolved.
- 24/30 rule: We’ll get back to you within 24 hours, and you’ll hear from us with updates every 30 days or less.
- Dedicated legal teams: You don’t just get a lawyer. You get your own personal legal team that will be with you throughout the course of your claim.
Our Red Deer office is located at 4919 59 Street. Consultations are available by appointment.
Call us at (587) 602-0514 to connect with a local team that’s ready to help.
What Our Clients Are Saying
Our commitment to helping injured people after car accidents is reflected in the 800+ five-star Google reviews from clients we have supported, including:
- “Very reassuring from the first meeting. Everything went according to plan. I was in the loop the entire time. No glitches, smooth as silk. Very little effort on my part for a very favourable outcome.” – C S.
- “Great experience working with Litco. They were extremely helpful and diligent in working towards the outcome. The process was very complicated, and I am glad I chose to have them on my side. I would highly recommend the team at Litco Law.” – Cameron M.
What Are Section B Benefits in Alberta?
Section B benefits are standard in all auto insurance policies in Alberta. They provide basic no-fault coverage to drivers, passengers, pedestrians, and cyclists for medical care following a motor vehicle accident, including car, truck, and motorcycle collisions. They may also include short-term income replacement if your injuries prevent you from working. If an accident results in death, eligible family members may be entitled to death and funeral benefits.
Section B is meant to provide early financial support after an accident so you can focus on recovery, regardless of who caused the accident. You access these benefits by filing a claim with your insurer, not through a lawsuit.
What Do Section B Benefits Cover?
Section B benefits help address some of the immediate financial needs after a motor vehicle accident. While it has limits, Section B offers important support:
Medical and Rehabilitation Expenses
Section B medical benefits help cover essential treatment costs within two years after a motor vehicle accident, up to $50,000 per injured person. Covered expenses may include:
- Ambulance services
- Hospital care
- Physiotherapy, chiropractic care, and massage therapy
- Acupuncture and dental treatment
- Medication and psychological treatment
Some treatments have set coverage limits. Acupuncture is capped at $350, chiropractic care at $1,000, and massage therapy at $350. Certain services may require approval from your insurer or doctor. Insurers may also send you to a doctor of their choice to confirm whether treatment is needed.
Disability and Income Replacement
Section B benefits may provide income support if your injuries prevent you from doing your essential job duties. A medical professional must confirm that you are unable to work. Benefits are paid at up to $600 per week or 80% of your pre-tax weekly income, whichever is lower. If you earned less than $500 per week before taxes, your benefit amount will be lower.
Section B does not cover the first seven days you are unable to work. If you have disability coverage through work or a private plan, you must use those benefits first. Your insurer determines the final amount, and exceptions may apply depending on your situation.
Support for Families After the Loss of a Loved One
Section B benefits can provide financial support to a family after a fatal motor vehicle accident. While no benefit can ease the loss of a loved one, this coverage may help with some of the immediate costs that follow. Coverage includes:
- Death benefit: Paid based on the deceased person’s age and their relationship to the claimant
- Funeral costs: Up to $6,150 per person
- Grief counselling: Up to $500 per family, with separate claims available if multiple family members are deceased
Who Is Eligible for Section B Benefits in Red Deer?
Most people injured in a car accident in Red Deer will be eligible for Section B benefits. They apply regardless of who caused the accident and can cover different people involved in the collision, such as:
- Drivers: Their claim is generally handled through their own auto insurance policy
- Passengers: Submit their claim through the insurer of the vehicle they were riding in at the time of the accident
- Pedestrians and cyclists: If they do not have auto insurance, they typically claim through the insurer of the vehicle involved
Some benefits, such as income replacement, have additional requirements. A doctor must confirm that your injuries prevent you from doing the essential parts of your job before payments are approved.
If you are injured while working and are eligible for a workers’ compensation claim, that claim usually takes priority. Workers’ compensation acts as the first payer, meaning it pays before other coverage applies.
Understanding Section B as a Central Alberta Resident
Navigating Section B benefits after a car accident can feel stressful, especially when you are unsure where to turn for legal guidance. Our local presence matters when insurance claims become more difficult than expected. Insurers work with claims daily and have established systems, procedures, and teams in place, while injured people are often learning the process for the first time. Managing recovery while also handling insurance requirements can quickly feel like an unfair situation. Our goal is to balance the power between you and the powerful insurance companies.
What to Do After a Car Accident in Red Deer
After a car accident in Red Deer, taking the right steps early can help protect both your health and your claim. Key steps to take after a car accident include:
- Seek medical care: Get checked by a doctor as soon as possible, even for mild symptoms.
- Insurance reporting: Notify your insurance provider promptly about the accident.
- Practice caution with insurers: You are not obligated to give statements to the other driver’s insurance company or accept settlement offers before getting legal advice.
- Seek legal guidance: Contact our solutions team for a free consultation to learn more about your rights and options.
Understanding the Difference Between Section B Benefits and Injury Claims
Section B benefits and personal injury claims serve different roles after a motor vehicle accident. Section B is insurance coverage that provides immediate support, while an injury claim is a legal process that may provide compensation beyond what Section B insurance covers.
Section B Benefits
Personal Injury Claims
Personal injury claims often consider the long-term impacts of your injuries, including ongoing treatment and future financial losses. Early settlement offers may not account for the full impact of your injuries. It takes time to identify and calculate the cost of future care and how your life may be affected by your injuries.
Time Limits for Pursuing Section B and Injury Claims in Red Deer
Time limits apply to both Section B claims and personal injury claims after a motor vehicle accident. Since these claims follow different processes, it is important to understand the deadlines that apply to each one. Missing a deadline can affect your ability to access benefits or pursue compensation.
For Section B benefits, important deadlines include:
- 30 days: Report the accident to the appropriate insurer
- 60 days: Submit an AB-1A form for disability benefits
- 90 days: Submit an AB-1 form for medical benefits
- Two years: The final deadline to access all Section B benefits before coverage expires
Personal injury claims have separate limitation periods. In most cases, you have two years from the date of the accident to file a lawsuit, although some exceptions can affect this timeline. Contacting a lawyer early can help you determine which deadlines apply and help preserve your claim.
These timing issues are especially important as Alberta prepares to introduce a “care-first” auto insurance system on January 1, 2027. After that change, many injured Albertans may no longer be able to sue for pain and suffering, bodily injury, or death.
Frequently Asked Questions About Red Deer Section B Benefits
What's the Maximum Amount Section B Will Pay for Medical Care?
Section B can pay up to $50,000 per injured person for eligible medical and rehabilitation costs after a car accident. The exact amount you receive depends on factors such as your injuries and treatment needs.
How Long Do Disability Benefits Last Under Section B?
Can Section B Benefits Affect My Personal Injury Claim?
Can I Access Section B Benefits if I Was a Pedestrian or Cyclist?
What if My Section B Benefits Are Denied?
How Much Does It Cost to Work With Litco Law?
Our Red Deer Section B Benefits Legal Team Can Help You Today
After a car accident, insurance matters can become another source of stress in a time that is already overwhelming. What starts as paperwork and phone calls can quickly turn into something that feels constant and draining.
Our Red Deer Section B Benefits legal team is here to help relieve that burden. We are Lawyers You’ll Love because we ensure you feel heard and supported throughout the process. Our award-winning lawyers take the time to listen, keep things clear, and make sure you feel supported at every step.
Contact us online or call (587) 602-0514 today for a free consultation.
