How serious does my injury have to be to get compensation for pain and suffering?

A: If you are injured as an operator or passenger in a motor vehicle (excluding motorcycle claims), you are not generally entitled to make a claim for pain and suffering unless you have sustained a “serious injury”. This is a specific legal term in the Insurance law that includes death, dismemberment, significant disfigurement, fractures, loss of a fetus, permanent loss or significant limitation on the use of a body organ or function, or an impairment which renders you unable to do your normal activities for any 90 out of the first 180 days following your accident.

Every claim is unique, and the application of the law to your particular injury requires us to fit you into one of the categories of serious injury- it is one of the things we do best.