I am Joseph A. Nagy. I am an Edmonton injury lawyer serving central and northern Alberta, and I am very experienced in dealing with insurance companies. Always remember, your interests (fair compensation) and the insurance company’s interests (the lowest possible payment) are not the same.
In some circumstances, the insurance company of the party who was at fault for an accident may be the same insurance company handling your section B claim. Be careful. In Alberta, it is a conflict of interest for an adjuster handling your bodily injury claim to also handle your section B claim. If you are not certain who the adjuster represents, contact me to have this clarified.
Protect yourself! Talk with a qualified personal injury lawyer before you talk with the insurance company. If you have been injured in a motor vehicle accident, you can call (780) 760-4878 (HURT) or contact me, Joseph A. Nagy, to discuss how to deal with insurance companies and how the injury claim process works. Ask for a free consultation. You are under no obligation to hire me as your injury lawyer.
As little as possible, until you have spoken to an injury lawyer.
If you are injured in an accident, you may be contacted quickly and by more than one insurance company. Accident victims often do not know who they are speaking to or what they are obliged to say. You may have been driving, or a passenger, or a pedestrian, and the answer differs.
You are generally required to report the accident to your own insurer. You are not required to give a recorded statement to the at-fault driver’s insurance company, and you are not required to sign a form giving an adjuster open access to your medical history.
Always remember: your interests (fair compensation) and the insurance company’s interests (the lowest possible payment) are not the same.
No. Do not speak to the bodily injury adjuster who represents the party responsible for causing your injuries.
That adjuster works for the insurance company that will have to pay your claim. You may be asked to give a statement, or to sign documents allowing the adjuster access to all of your medical information. Neither is in your interest, and neither is required of you.
Only your injury lawyer should communicate with the bodily injury adjuster. All medical documentation should be provided through your injury lawyer.
As I tell my clients: if the insurance company treated you fairly, I would not have a job.
No. In Alberta it is a conflict of interest for an adjuster handling your bodily injury claim to also handle your Section B claim.
This distinction matters because in some circumstances the insurance company of the party at fault for the accident is the same insurance company handling your Section B claim. The two roles are opposed: the Section B adjuster is administering benefits payable to you regardless of fault, while the bodily injury adjuster is defending a claim against their insured.
If you are not certain which adjuster you are speaking to, or who they represent, ask. If you cannot get a clear answer, call (780) 760-4878 (HURT) or contact me and I will have it clarified.
Section B benefits are medical and disability benefits provided under Section B of (usually) your auto policy. They are paid regardless of who is at fault for the accident.
To obtain them you must complete a Notice of Loss and Proof of Claim AB-1 Form and a Claim for Disability Benefits AB-1A Form, available on the Government of Alberta Insurance Forms page. These are fillable forms; if they do not open in your browser, right click the file names and save them to your computer, then open them in Acrobat Reader.
Which insurer provides the forms depends on your situation:
Section B is being restructured under Alberta’s Care-First system, which is scheduled to take effect on January 1, 2027. The policy forms for the new system have not yet been published, so the requirements described here apply to accidents before that date. If your accident falls close to the changeover, call (780) 760-4878 (HURT) or contact my firm to find out which rules apply to you.
Yes, substantially — and the advice on this page becomes more important, not less.
Under the current system, if the insurance company treats you unfairly you can sue the driver who caused the crash and have a court decide what your claim is worth. Under Alberta’s Care-First system, scheduled to take effect on January 1, 2027, that route is removed in almost all cases. Your own insurer decides what treatment you receive and what benefits you are paid. Disputes go to the Alberta Automobile Care-first Tribunal rather than to a court, and the tribunal cannot award costs.
That means the insurance company you are dealing with is no longer just the party paying your claim — it is also the party deciding it. Everything on this page about what you say, who you say it to, and what you sign applies with more force, not less.
Which system governs your claim depends on the date of your accident. Read No-Fault (Care-First) Insurance in Alberta and call (780) 760-4878 (HURT) or contact my firm before you talk to the insurer.
I was very fortunate to meet Joe Nagy. His services are very professional and reliable. I suffered an injury after an accident where the insurance company was quick to lay blame. I would’ve been taken advantage of by the other insurance company on my own. With Joe’s help I was given great advice to help with my injuries, was not made responsible for an accident that was clearly not my fault and didn’t suffer with any of the stress involved with an injury claim. I was grateful to be able to recover rather than deal with insurance claims, vehicle repairs and settlements.
I have recommended Joe multiple times and will continue to do so. He is worth all 5 🌟!
My wife was involved in a motor vehicle collision in June 2018 . She suffered injuries from the collision. Attempts to deal with the at fault parties insurance company, Royal Sun Alliance, only met with stalling tactics , delays, and no responses. Eventually our vehicle was repaired but queries as to compensation for injuries went unanswered.
After some careful research we contacted Nagy Injury Law. We met with Joe Nagy for a consultation and immediate felt at ease with him and his staff. He answered all of our questions and concerns. He advised us on what we could or could not expect and the possible outcome and timelines we could expect. Joe Nagy , and his staff, Jordan Mitchell, and Nicole Adams kept us apprised of the progress and status of the personal injury case. They promptly answered any questions we had.
The result was favorable compensation for my wife's injury and subsequent ongoing medical issues. We were very pleased with our interaction and the outcome with Joseph A Nagy , Injury Law. They provide a professional yet family like atmosphere.
Joseph A. Nagy , Injury Law is highly recommended!
