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Halifax lawyer calls for "catastrophic" auto insurance

John McKiggan says medical benefits too low for severely injured.


John McKiggan on magazine cover
  • John McKiggan on magazine cover

A Halifax personal injury lawyer is calling on the Nova Scotia government to sharply increase medical rehabilitation benefits for people who sustain “catastrophic” injuries in car accidents. John McKiggan of the Atlantic Trial Lawyers Association says severely injured victims who need extensive treatment should be eligible for medical benefits of up to $100,000 and income replacement of up to $1,000 per week if they’re unable to work after an accident.

McKiggan, who served on an advisory committee to the Nova Scotia Automobile Insurance Review, says he welcomes its recommendation to double the current medical rehabilitation coverage from $25,000 to $50,000, but the trial lawyers feel more is needed for the relatively few people who suffer severe injuries.

“It is admittedly only a very small percentage of accident victims that would need that type of coverage, but when you need it, you really need it,” McKiggan says. “Consumers are always scared about rates increasing and the insurance industry always uses that as a threat, but because there are so few people who actually ever need that level of benefit, the additional premium cost would be infinitesimal.”


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