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	<title>Anonymous Law Student</title>
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	<link>https://anonymouslawstudent.com/</link>
	<description>musings from a new legal apparatus.</description>
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		<title>Keeping an Injury Diary</title>
		<link>https://anonymouslawstudent.com/injury-insurance/avoid-keeping-an-injury-diary/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Mon, 04 May 2026 17:32:13 +0000</pubDate>
				<category><![CDATA[Injury & Insurance]]></category>
		<guid isPermaLink="false">http://anonymouslawstudent.com/?p=62</guid>

					<description><![CDATA[<p>If you&#8217;ve ever been injured in an accident such as a motor vehicle, then you may be seeking compensation for damages. Damages to your car is one thing, but to your body is quite another. Soft tissue damage is unseen (another blog post) and can be a prolonged injury. Some believe keeping an injury diary &#8230; </p>
<p class="link-more"><a href="https://anonymouslawstudent.com/injury-insurance/avoid-keeping-an-injury-diary/" class="more-link">Continue reading<span class="screen-reader-text"> "Keeping an Injury Diary"</span></a></p>
<p>The post <a href="https://anonymouslawstudent.com/injury-insurance/avoid-keeping-an-injury-diary/">Keeping an Injury Diary</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>If you&#8217;ve ever been injured in an accident such as a motor vehicle, then you may be seeking compensation for damages. Damages to your car is one thing, but to your body is quite another. Soft tissue damage is unseen (another blog post) and can be a prolonged injury. </p>
<p>Some believe keeping an injury diary is a good way to keep track of the increasing severity of their injury overtime. This may sound like a good idea at the outset, but it turns out to work against the injured. Here&#8217;s why. </p>
<p><span id="more-62"></span></p>
<p>Quite simply, human behaviour is built in such a way that creating new habits is exceptionally hard. Sometimes it takes upwards of two years to actually make something a habit (like brushing your teeth). </p>
<p>If you have an injury diary you may enter diligently for a couple of months, but after a year or two you&#8217;ll notice a trend&#8211;you don&#8217;t enter as often or as detailed as you used to. </p>
<p>In litigation that will work to your disadvantage because through the diary it look as if you&#8217;re getting better, but in reality you may be getting worse but you just didn&#8217;t record the injury properly. </p>
<p>The best way to keep track of your progress (or regress) is to be completely clear and concise disclosing everything to your doctor and therapist when visiting. </p>
<p>The post <a href="https://anonymouslawstudent.com/injury-insurance/avoid-keeping-an-injury-diary/">Keeping an Injury Diary</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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		<title>How Do Contingency Agreements Typical Work?</title>
		<link>https://anonymouslawstudent.com/injury-insurance/how-do-contingency-agreements-typical-work/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Thu, 30 Apr 2026 14:10:56 +0000</pubDate>
				<category><![CDATA[Injury & Insurance]]></category>
		<guid isPermaLink="false">https://anonymouslawstudent.com/?p=536</guid>

					<description><![CDATA[<p>A Contingency Agreement is a type of agreement that is typically used in various types of arrangements between client and lawyer. For example, personal injury cases. It allows individuals to hire a lawyer without having to pay out any funds until the case is either settled or a judgment is granted against the person responsible &#8230; </p>
<p class="link-more"><a href="https://anonymouslawstudent.com/injury-insurance/how-do-contingency-agreements-typical-work/" class="more-link">Continue reading<span class="screen-reader-text"> "How Do Contingency Agreements Typical Work?"</span></a></p>
<p>The post <a href="https://anonymouslawstudent.com/injury-insurance/how-do-contingency-agreements-typical-work/">How Do Contingency Agreements Typical Work?</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>A Contingency Agreement is a type of agreement that is typically used in various types of arrangements between client and lawyer. For example, personal injury cases. It allows individuals to hire a lawyer without having to pay out any funds until the case is either settled or a judgment is granted against the person responsible for causing the injuries.</p>
<p>The fee is payable only if there is a favourable result. It is generally defined as a fee charged for a lawyer’s services only if the lawsuit is successful or is favorably settled out of court&#8230;. contingent fees are usually calculated as a percentage of the client’s monetary settlement/award.</p>
<p><span id="more-536"></span><br />
How does it work?</p>
<p>The usual form of this agreement is that the lawyer will take the case on the understanding that if lost, no payment is made to the lawyer (except for expenses). If the case is won, the successful lawyer then earns a percentage of the damages awarded in favor of his client.</p>
<p>This makes it easier for people to pursue their civil rights since otherwise, to sue someone for a ‘tort’, one must first be wealthy enough to pursue such litigation in the first place. However, because of the high risk, few lawyers will take cases on a contingency basis unless they feel the case has good merit. Contingency fees also provide a powerful motivation to the lawyer to work diligently on the client’s case</p>
<p>Typically, your lawyer will also pay for the costs and expenses of running the litigation. These costs/expenses are often called ‘disbursements’. Typical disbursements are things like medical charts and medical reports. Often the lawyer will be able to recover disbursements during the course of the file from the other sides’ insurance company. Whatever disbursements are not recovered during the course of the claim will be recovered as part of any settlement or judgment.</p>
<p>Like any other contractual arrangement, try to get a sense of whether the person you are entering into a contract with is someone that you trust.</p>
<p>The post <a href="https://anonymouslawstudent.com/injury-insurance/how-do-contingency-agreements-typical-work/">How Do Contingency Agreements Typical Work?</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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		<title>Obvious Check Before Buying a Condo</title>
		<link>https://anonymouslawstudent.com/real-estate/obvious-check-before-buying-a-condo/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Mon, 27 Apr 2026 16:38:58 +0000</pubDate>
				<category><![CDATA[Real Estate]]></category>
		<guid isPermaLink="false">http://anonymouslawstudent.com/?p=111</guid>

					<description><![CDATA[<p>Condo living can be good for the environment, requires less maintenance, and can increase security/community. Smaller spaces and sharing heat reduces your carbon footprint (assuming you pay attention to that kind of thing). You don&#8217;t have to vacuum common area carpets, shovel snow, or cut grass. The garbage is taken away down your chute, and &#8230; </p>
<p class="link-more"><a href="https://anonymouslawstudent.com/real-estate/obvious-check-before-buying-a-condo/" class="more-link">Continue reading<span class="screen-reader-text"> "Obvious Check Before Buying a Condo"</span></a></p>
<p>The post <a href="https://anonymouslawstudent.com/real-estate/obvious-check-before-buying-a-condo/">Obvious Check Before Buying a Condo</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>Condo living can be good for the environment, requires less maintenance, and can increase security/community. Smaller spaces and sharing heat reduces your carbon footprint (assuming you pay attention to that kind of thing). You don&#8217;t have to vacuum common area carpets, shovel snow, or cut grass. The garbage is taken away down your chute, and your condo fees cover most of your utilities. You also have the benefit of living in close proximity to others for added security.  <span id="more-111"></span></p>
<p>Of course, there are some cons to condo living as well, most of it tied up in the condo fees. Condo fees cover maintenance and bills for the condo. The thing with fees is that they can go up and down depending on need. The condo board can rule to increase fees to cover unforeseen maintenance/repair, or to establish a larger reserve fund. </p>
<p>Condo buyers sometimes forget to factor in the monthly fees in their living expenses. But let&#8217;s assume you don&#8217;t make this basic mistake, how can you ensure that getting into a codo is a safe investment? </p>
<p>Before purchasing a condo ensure you do your due diligence. </p>
<p>Every condo board has minutes, and every board will provide assessments to your realtor. You&#8217;ll want to ensure that there are no special assessments that the building is currently or going to enact. You&#8217;ll also want to talk to existing condo dwellers to see if there&#8217;s rumors of upcoming maintenance that maybe your reports don&#8217;t mention.</p>
<p>Once you&#8217;re locked into your condo you&#8217;ll be responsible for all future rulings by th eboard to maintain and repair anything that requires fixing. </p>
<p>So buyer beware, do your homework and save the heartache and hit on your wallet. </p>
<p>The post <a href="https://anonymouslawstudent.com/real-estate/obvious-check-before-buying-a-condo/">Obvious Check Before Buying a Condo</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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		<title>Tips for Selecting the right Injury Lawyer</title>
		<link>https://anonymouslawstudent.com/legal-resource/how-should-someone-go-about-selecting-the-right-lawyer/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Sat, 04 Apr 2026 16:19:40 +0000</pubDate>
				<category><![CDATA[Legal Resource]]></category>
		<guid isPermaLink="false">https://anonymouslawstudent.com/?p=501</guid>

					<description><![CDATA[<p>Selecting the right personal injury lawyer takes time. How can you ensure you&#8217;re making the right choice? Often the best way to pick a lawyer is by speaking with family and friends about their experience with a particular lawyer. If you are trying to choose a lawyer where you don&#8217;t have a friend or family &#8230; </p>
<p class="link-more"><a href="https://anonymouslawstudent.com/legal-resource/how-should-someone-go-about-selecting-the-right-lawyer/" class="more-link">Continue reading<span class="screen-reader-text"> "Tips for Selecting the right Injury Lawyer"</span></a></p>
<p>The post <a href="https://anonymouslawstudent.com/legal-resource/how-should-someone-go-about-selecting-the-right-lawyer/">Tips for Selecting the right Injury Lawyer</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>Selecting the right personal injury lawyer takes time. How can you ensure you&#8217;re making the right choice?</p>
<p>Often the best way to pick a lawyer is by speaking with family and friends about their experience with a particular lawyer. If you are trying to choose a lawyer where you don&#8217;t have a friend or family member&#8217;s referral to the lawyer, the most important thing in my opinion is that you need to feel ‘comfortable’ with the lawyer you selected. </p>
<p>For cases that operate on contingency, you do have an opportunity to try visiting or speaking to a few different lawyers to determine who you trust or click with more. Take advantage of meeting multiple law firms to get a feel. It may seem like an extra step but it will help you compare.</p>
<p>Lastly, you can look a the history of Google Reviews to ascertain an overall feel and assessment of the firm. Google currently has the most trustworthy review system, whereas many other &#8216;local review&#8217; websites are more manipulated with &#8216;fake&#8217; reviewers.</p>
<p>Other preferences:</p>
<p>Some want their lawyer to be located downtown in a high-rise office tower and be dressed in a three-piece suit. If that’s what makes you feel comfortable and gives you a sense trust in your lawyer, then that&#8217;s where you should look for your lawyer. Alternatively, some folks find a smaller law firm where the lawyers are ‘approachable’ and give you a good first impression. </p>
<p>You want someone who is experienced in the field where you need help, will listen to you and work hard for you. Ultimately you should hire the lawyer who provides a sense of comfort and trust.</p>
<p>* Input from <a href="https://ofeelaw.com/">Ofee Injury Law</a>.</p>
<p>The post <a href="https://anonymouslawstudent.com/legal-resource/how-should-someone-go-about-selecting-the-right-lawyer/">Tips for Selecting the right Injury Lawyer</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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		<title>Condos or Townhome vs Single Family House</title>
		<link>https://anonymouslawstudent.com/real-estate/condos-or-townhome-vs-single-family-house/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Sun, 22 Mar 2026 21:06:26 +0000</pubDate>
				<category><![CDATA[Real Estate]]></category>
		<guid isPermaLink="false">http://anonymouslawstudent.com/?p=427</guid>

					<description><![CDATA[<p>For the most, a house will be the single greatest purchase of their lifetime. This is particularly true in large cities where real-estate prices are much higher than rural areas. There is a significant amount of research, a well defined process, and necessary expertise to close real-estate transactions. But are there differences between single family &#8230; </p>
<p class="link-more"><a href="https://anonymouslawstudent.com/real-estate/condos-or-townhome-vs-single-family-house/" class="more-link">Continue reading<span class="screen-reader-text"> "Condos or Townhome vs Single Family House"</span></a></p>
<p>The post <a href="https://anonymouslawstudent.com/real-estate/condos-or-townhome-vs-single-family-house/">Condos or Townhome vs Single Family House</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>For the most, a house will be the single greatest purchase of their lifetime. This is particularly true in large cities where real-estate prices are much higher than rural areas. There is a significant amount of research, a well defined process, and necessary expertise to close real-estate transactions. But are there differences between single family home and townhouse / condo transactions?</p>
<p>Yes there is, and it&#8217;s more than just preference, but let&#8217;s start there.</p>
<p><span id="more-427"></span></p>
<p>Condominiums or townhomes offer a different lifestyle than single family homes. The appeal includes: </p>
<ul>
* Location. Often inner-city neighborhood boast higher density properties.<br />
* Security. Home owner security that includes the potential of locked public areas and parking, and the proximity of neighbours.<br />
* Maintenance. Although the extent of management varies between properties, condo and townhome associations take care of general maintenance of the public areas, outdoor grounds, and overall building such as major plumbing and roofs. </ul>
<p>Those who have no desire to manage upkeep, apart from their own dwelling, will be drawn to the shared common grounds lifestyle. However, it also means owners must acquiesce to the majority in the community for maintenance and major repairs. That means lack of control over costs and unforeseen circumstances.</p>
<p>Single family dwellings, on the other hand, allow the homeowner to decide how and who will do any upkeep or repairs. That also means responsibility for these expenses fall exclusively to the homeowner. </p>
<p>Size is another factor. More often than not, there is more square footage (space) in a single family dwelling, which makes them ideal for those who are future planners and intend to increase occupancy in the home. You get more bang for your buck sort of speak.</p>
<p>Just like any home, have an independent inspector visit the property and conduct an assessment. </p>
<p>Apart from personal preference and location, what are the legal aspects that differ between the two property types?</p>
<p>One of the critical aspects to consider before purchasing into a condo or townhome property that includes shared public spaces and building managers, and homeowner boards, is the health of the building and/or association as a whole. In the real-estate transaction there are extensive documents to review to ensure your potential transaction doesn’t have costly problems ongoing or upcoming. There are more documents and things to consider when buying an apartment/condo/townhome. Because of the additional pieces, getting an experienced lawyer to look over the paperwork is important. You don&#8217;t want to buy into a property only to discover you&#8217;ll be on the hook for special assessments because the reserve fund (the money on hand for repairs) is too low or non-existent.</p>
<p>Ultimately it is the responsibility of the home owner to make the final decision regarding the health of the building reserve fund, potential future upgrades, and the management of the building and association board. You can hire a lawyer to look over these docs and present you with an assessment of the overall health. That would go along way to ensure piece of mind when making a down payment on the largest purchase in your lifetime. To ignore this step could pose significant financial stresses in the longrun.</p>
<p>With notes from <a href="https://www.tomtaylorlaw.ca/">Taylor Real Estate Law</a>.</p>
<p>The post <a href="https://anonymouslawstudent.com/real-estate/condos-or-townhome-vs-single-family-house/">Condos or Townhome vs Single Family House</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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		<title>Pleading in Civil Action in Canada</title>
		<link>https://anonymouslawstudent.com/legal-resource/pleading-in-civil-action-in-canada/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Sat, 08 Nov 2025 20:32:56 +0000</pubDate>
				<category><![CDATA[Legal Resource]]></category>
		<guid isPermaLink="false">http://anonymouslawstudent.com/?p=251</guid>

					<description><![CDATA[<p>Pleadings function to include written statements of the parties to an action, served by each party in turn on the other, and filed in court, which set forth in a summary form the material facts on which each party relies in support of the claim or defence, as the case may be. By the time &#8230; </p>
<p class="link-more"><a href="https://anonymouslawstudent.com/legal-resource/pleading-in-civil-action-in-canada/" class="more-link">Continue reading<span class="screen-reader-text"> "Pleading in Civil Action in Canada"</span></a></p>
<p>The post <a href="https://anonymouslawstudent.com/legal-resource/pleading-in-civil-action-in-canada/">Pleading in Civil Action in Canada</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>Pleadings function to include written statements of the parties to an action, served by each party in turn on the<br />
other, and filed in court, which set forth in a summary form the material facts on which each party relies in support of the claim or defence, as the case may be.</p>
<p>By the time the pleadings are closed, there will be a precise definition of the issues between the parties. </p>
<p>There are 3 fundamental principles of pleading:<br />
<span id="more-251"></span><br />
a) Each party must plead the material facts on which he/she/it relies for the claim<br />
or defence;</p>
<p>b) The material facts stated in the preceding pleading will be deemed to be admitted if not expressly denied or joined in issue by the other side; and</p>
<p>c) Any fresh matter must be specifically pleaded if it might have the effect of</p>
<p>(i) making the claim or defence in the preceding pleading not maintainable;<br />
(ii) taking the opposite party by surprise; or<br />
(iii) raising issues of fact not arising out of the preceding pleading.</p>
<p>The post <a href="https://anonymouslawstudent.com/legal-resource/pleading-in-civil-action-in-canada/">Pleading in Civil Action in Canada</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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		<title>Intro to Regulatory Offences</title>
		<link>https://anonymouslawstudent.com/law-musings/intro-to-regulatory-offences/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Tue, 04 Nov 2025 20:59:37 +0000</pubDate>
				<category><![CDATA[Law Musings]]></category>
		<guid isPermaLink="false">http://anonymouslawstudent.com/?p=313</guid>

					<description><![CDATA[<p>Regulatory offences: Some offences utilize the machinery of criminal law, but are not truly considered to be criminal offences. These offences deal with everyday civil matters such as traffic infractions, pollution, hunting regulations, and so forth. Besides the supremely important fault requirement (discussed below), there are a number of ways to identify a “regulatory offence” &#8230; </p>
<p class="link-more"><a href="https://anonymouslawstudent.com/law-musings/intro-to-regulatory-offences/" class="more-link">Continue reading<span class="screen-reader-text"> "Intro to Regulatory Offences"</span></a></p>
<p>The post <a href="https://anonymouslawstudent.com/law-musings/intro-to-regulatory-offences/">Intro to Regulatory Offences</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>Regulatory offences: Some offences utilize the machinery of criminal law, but are not truly considered to be criminal offences.  These offences deal with everyday civil matters such as traffic infractions, pollution, hunting regulations, and so forth.  Besides the supremely important fault requirement (discussed below), there are a number of ways to identify a “regulatory offence” from a “true crime”:</p>
<p>1. true crimes are usually more socially and morally condemned than regulatory offences.<br />
2. regulatory offences are usually aimed at deterring harm to the public, rather than the individual.<br />
3. regulatory offences are often part of a complex regulatory framework.<br />
4. regulatory offences are not in the Criminal Code (R. v Wholesale Travel, 1993).</p>
<p><span id="more-313"></span></p>
<p>In the Canadian context, the most important distinction between regulatory offences and true crimes is the standard of fault (mens rea).  For many reasons, including the lesser stigma, the lesser penalties, and the need for administrative efficiency, the courts may allow a lower threshold for regulatory offences than the usual subjective mens rea requirement needed for “true crimes”.  In the past, many regulatory offences were “absolute liability” offences, meaning the Crown needed only to prove the actus reus, leaving the accused with no defence available.  In the important case of R. v City of Sault Ste Marie, a third “compromise” position between absolute liability and full mens rea was invented: “strict liability”.  In strict liability offences, there is prima facie liability assumed, however the accused then has the opportunity to show that he took all reasonable care, in which case the offence is innocent.  </p>
<p>The current Canadian position vis-a-vis regulatory offences can be summarized as follows:</p>
<p>1. Strict liability is the default fault standard for regulatory offences.<br />
2. Absolute liability only applies to regulatory offences where statute has made in explicitly clear that an absolute liability doctrine will prevail.<br />
3. An offence that carries the possibility of imprisonment CAN NEVER be an absolute liability offence (see RE MVA Act BC, 1985).</p>
<p>The post <a href="https://anonymouslawstudent.com/law-musings/intro-to-regulatory-offences/">Intro to Regulatory Offences</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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		<title>Confidential Employees &#8211; Collective Bargaining</title>
		<link>https://anonymouslawstudent.com/labour-employment/confidential-employees-collective-bargaining/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Tue, 30 Sep 2025 20:16:34 +0000</pubDate>
				<category><![CDATA[Labour & Employment]]></category>
		<guid isPermaLink="false">http://anonymouslawstudent.com/?p=412</guid>

					<description><![CDATA[<p>Confidential employees are excluded from collective bargaining because they might be able to give the union access to matters that the employers do not wish them to know about such as bargaing strategy, grievances, etc. (Canadian Union of Bank Employees v. Nova Scotia). That being said, confidential employees will only be excluded if there is &#8230; </p>
<p class="link-more"><a href="https://anonymouslawstudent.com/labour-employment/confidential-employees-collective-bargaining/" class="more-link">Continue reading<span class="screen-reader-text"> "Confidential Employees &#8211; Collective Bargaining"</span></a></p>
<p>The post <a href="https://anonymouslawstudent.com/labour-employment/confidential-employees-collective-bargaining/">Confidential Employees &#8211; Collective Bargaining</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>	Confidential employees are excluded from collective bargaining because they might be able to give the union access to matters that the employers do not wish them to know about such as bargaing strategy, grievances, etc. (Canadian Union of Bank Employees v. Nova Scotia).  That being said, confidential employees will only be excluded if there is a demonstrated conflict of interest (see test). </p>
<p>The post <a href="https://anonymouslawstudent.com/labour-employment/confidential-employees-collective-bargaining/">Confidential Employees &#8211; Collective Bargaining</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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		<title>Alberta, Canada moves to no-fault insurance in January 2027</title>
		<link>https://anonymouslawstudent.com/injury-insurance/alberta-canada-moves-to-no-fault-insurance-in-january-2027/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Thu, 04 Sep 2025 18:16:01 +0000</pubDate>
				<category><![CDATA[Injury & Insurance]]></category>
		<guid isPermaLink="false">https://anonymouslawstudent.com/?p=544</guid>

					<description><![CDATA[<p>Alberta’s New Care‑First No‑Fault Auto‑Insurance Model Coming Soon In a major reform, Alberta is replacing the traditional tort-based auto‑insurance system with a Care‑First no-fault model, slated to take effect on January 1, 2027. (Alberta.ca ) The change is purported to deliver faster compensation and more comprehensive medical care, yet comes at the cost of significantly &#8230; </p>
<p class="link-more"><a href="https://anonymouslawstudent.com/injury-insurance/alberta-canada-moves-to-no-fault-insurance-in-january-2027/" class="more-link">Continue reading<span class="screen-reader-text"> "Alberta, Canada moves to no-fault insurance in January 2027"</span></a></p>
<p>The post <a href="https://anonymouslawstudent.com/injury-insurance/alberta-canada-moves-to-no-fault-insurance-in-january-2027/">Alberta, Canada moves to no-fault insurance in January 2027</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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										<content:encoded><![CDATA[<p>Alberta’s New Care‑First No‑Fault Auto‑Insurance Model Coming Soon</p>
<p>In a major reform, Alberta is replacing the traditional tort-based auto‑insurance system with a Care‑First no-fault model, slated to take effect on January 1, 2027. (<a href="https://www.alberta.ca/automobile-insurance-reform" target="_blank">Alberta.ca </a>)</p>
<p>The change is purported to deliver faster compensation and more comprehensive medical care, yet comes at the cost of significantly limiting Albertans’ rights to sue at-fault parties for injuries.</p>
<p><span id="more-544"></span></p>
<p>Expanded Benefits Without Lawsuits</p>
<p>Under the Care‑First model, all individuals injured in a collision—drivers, passengers, cyclists, pedestrians—can access medical and rehabilitation benefits without needing to demonstrate fault or go to court. The current system, where medically necessary care is capped at $50,000 over two years, the new model offers unlimited lifetime coverage for treatment that provides a measurable benefit.</p>
<p>Income replacement under the Care‑First model also improves, offering up to 90% of net income (capped at about $120,000 gross) until age 65—far exceeding the current maximum of approximately $600 per week for just two years. </p>
<p>The centerpiece of the new compensation structure is a lump-sum permanent impairment benefit. Amounts vary depending on injury severity: for serious injuries, benefits range between roughly $1,000–$187,000, while for catastrophic injuries, payouts may reach $295,000 (or up to $298,520 in some designations).  (https://www.insuranceinstitute.ca/fr/Insights-And-Publications/CanadianUnderwriterArticles/items/2025/08/07/What-we-know-about-court-access-dispute-resolution-in-Albertas-Care-First-insurance-system/)</p>
<p>Additionally, claimants with catastrophic injuries may receive monthly personal care assistance of up to $6,781, and up to $5,671 for severe but non-catastrophic injuries. The trade off that significantly benefits insurance companies (who lobbied for the change) is the drastic limitation on Albertans’ ability to sue at-fault drivers. The right to court action is preserved only if the at-fault party is convicted of serious Criminal Code or Traffic Safety Act offenses (e.g., impaired or dangerous driving). In most other situations, litigation is barred—even in cases of serious or catastrophic injury.</p>
<p>To replace the tort-based legal process, Alberta’s new system will include an independent tribunal—the Alberta Automobile Care‑First Tribunal—through which injured individuals can appeal insurers’ decisions about care or benefits. This mechanism functions as administrative oversight rather than judicial recourse.</p>
<p>The post <a href="https://anonymouslawstudent.com/injury-insurance/alberta-canada-moves-to-no-fault-insurance-in-january-2027/">Alberta, Canada moves to no-fault insurance in January 2027</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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		<title>On the Hook for Debts of an Estate?</title>
		<link>https://anonymouslawstudent.com/law-musings/on-the-hook-for-debts-of-an-estate/</link>
		
		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Tue, 19 Aug 2025 16:39:48 +0000</pubDate>
				<category><![CDATA[Law Musings]]></category>
		<guid isPermaLink="false">http://anonymouslawstudent.com/?p=132</guid>

					<description><![CDATA[<p>When someone leaves you some cash, land, a turtle, behind in their will, who is on the hook for any outstanding debts? It goes without saying, nowadays there are fewer and fewer people retiring with a mound of cash. Some of our elderly folks need to work well into their seventies, and even then they&#8217;ll &#8230; </p>
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										<content:encoded><![CDATA[<p>When someone leaves you some cash, land, a turtle, behind in their will, who is on the hook for any outstanding debts?</p>
<p>It goes without saying, nowadays there are fewer and fewer people retiring with a mound of cash. Some of our elderly folks need to work well into their seventies, and even then they&#8217;ll end up racking up debt to stay afloat. </p>
<p>In a will a Executor is appointed over the estate to divvy everything up. But what happens when you have more debts than assets? <span id="more-132"></span></p>
<p>Well because wills are essentially gifts in kind you can&#8217;t really end up with a loss. Imagine that, grandma gives you her VISA bill for Christmas&#8230;&#8230; That&#8217;s not a gift. (That&#8217;s a hilarious grandma but not a Christmas gift, at least not in our house). </p>
<p>What will happen if there are debts against the estate is those creditors will be offered a pro rated share of the estate, and the remainder given to the beneficiaries. If the estate can&#8217;t cover debts, the estate would declare bankruptcy, but the Executor (recipients in the will) are never on the hook for the debts of someone else. </p>
<p>So go ahead, rack up your credit card bills before you die, nobody will have to pay&#8230;..Nah, just kidding, that&#8217;s terrible. </p>
<p>The post <a href="https://anonymouslawstudent.com/law-musings/on-the-hook-for-debts-of-an-estate/">On the Hook for Debts of an Estate?</a> appeared first on <a href="https://anonymouslawstudent.com">Anonymous Law Student</a>.</p>
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