Car Accident Lawyers in Charlottetown and across PEI

Whether you were rear-ended on University Avenue, hit coming off the Hillsborough Bridge, or hurt on the Trans-Canada between Charlottetown and Summerside, CLG Injury Law can tell you in one conversation whether your claim is worth pursuing. We are based in Charlottetown and act for Islanders right across Prince Edward Island, and once you hire us, you stop dealing with the insurer yourself. We only get paid if we recover compensation for you.

Yes, PEI has a minor injury cap. Here is how it works.

You may have read that Prince Edward Island has no cap on injury claims. It does. For accidents in 2026, pain and suffering for a minor injury is capped at $9,659. The province has had a cap since 2004 and resets it every January for inflation.

The cap is narrower than most people think. Since October 2014 it only applies to sprains, strains and whiplash-associated disorders that do not result in a serious impairment. Fractures, concussions and disc injuries are never capped. A soft tissue injury escapes the cap too if it leaves you substantially unable to work or manage your normal daily activities.

And it only touches pain and suffering. Your lost wages, future earning capacity, treatment costs and the help you need at home are never capped. Insurers like to apply the cap early, before anyone knows how you will heal, which is why it is worth reading whether to accept the insurance company’s first offer in PEI before you sign anything.

Deadlines for a PEI car accident claim

Under PEI’s Statute of Limitations you generally have two years to start a claim, which for most crashes runs from the day of the accident.

Some steps have to happen much sooner. Your own insurer needs to hear about the accident promptly for your benefits to be protected, and claims involving a municipality can carry written notice requirements well inside the two years.

If your crash was recent, a short call now protects every one of those deadlines. There is no charge and no commitment.

Section B benefits in PEI

Every PEI auto policy includes Section B accident benefits, paid by your own insurer whoever caused the crash. They cover up to $50,000 in medical and rehabilitation costs, along with income replacement if your injuries stop you working.

Section B runs alongside your claim against the at-fault driver. It does not replace that claim and taking it does not reduce it. If your own insurer delays, cuts off or refuses your benefits, we deal with that as well.

Charlottetown and PEI car accident claims we handle

       
• Rear-end and intersection crashes on University Avenue, Allen Street and the bypass
       
• Collisions on the Hillsborough Bridge and the approaches to Stratford
       
• Highway crashes on the Trans-Canada and Route 2 toward Summerside
       
• Rural road collisions involving farm equipment and slow-moving vehicles
       
• Summer tourist-season crashes involving out-of-province drivers and rental cars
       
• Crashes on the Confederation Bridge
       
• Pedestrians and cyclists hit in downtown Charlottetown and at Confederation Trail crossings
       
• Winter crashes in ice, slush and blowing snow
       
• Hit and run, and drivers with no insurance or not enough
       
• Section B benefits your own insurer has refused, delayed or stopped
     

Hurt on PEI but live somewhere else?

Thousands of visitors drive the Island every summer, and crashes happen. You do not have to live on PEI to bring a claim for an accident that happened here, and much of the work can be handled by phone and email once you are home.

If part of the blame is yours

Being partly at fault does not end your claim on PEI. Your compensation is reduced by your share of the responsibility. The fault split an adjuster quotes is an early position, and evidence such as the police report, photos and witness accounts often moves it.

The first hours after a crash on PEI

Get medical attention, even if you feel okay. The Queen Elizabeth Hospital on Riverside Drive in Charlottetown runs a 24-hour emergency department. Whiplash and concussion symptoms often take a day or two to appear, and a delay before your first visit is something insurers point to later.

Report it to police when you have to. PEI requires a collision to be reported if anyone is hurt or killed, or if the total damage appears to be more than $2,000. In the city that is Charlottetown Police Services. In most other parts of the Island it is the RCMP.

Record everything at the scene. Photos of both vehicles and the road, the other driver’s details, witness names and numbers, and any dashcam video. If a store or business nearby has cameras, ask for the footage that day.

Tell your own insurer promptly, so nothing about your Section B benefits is put at risk.

Hold off on statements to the other driver’s insurer. You are not obliged to give one, and it is worth speaking to a lawyer first.

More detail is in our guide to what to do in the first 24 hours after a car accident in PEI.

Is it worth calling a lawyer?

Not for every crash. If no one was hurt and your car just needs repairs, sort it out with your insurer directly, and we will tell you exactly that.

It is worth a call if your pain is still there after a few weeks, you have missed work, the insurer is offering to settle, someone says you caused the crash, your Section B benefits have been cut, or the other driver was uninsured. That is when the distance between the offer and the real value tends to be greatest.

What to expect when you call

A real conversation, not a sales pitch. We ask what happened, how you are doing, how your work has been affected and what any insurer has told you. Then we give you an honest view of whether you have a claim and what pursuing it would involve.

That first consultation is free and does not commit you to anything. If you decide to hire us, we work on contingency: no money up front, our fee comes from what we recover, and no fee at all if there is no recovery. From then on, the insurers talk to us.

Where a PEI claim goes if it does not settle

Most claims are resolved without a trial. If yours is not, it is heard by the Supreme Court of Prince Edward Island at the Sir Louis Henry Davies Law Courts on Water Street in Charlottetown.

That possibility shapes the outcome even when a case settles. Insurers make stronger offers to firms they know are prepared to go to court.

Why Islanders choose CLG Injury Law

Our Charlottetown office has been representing injured Islanders for nearly 40 years, so the people working on your claim know PEI’s roads, its hospitals and the insurers who operate here. We take car accident claims from right across the Island, from Souris to Tignish.

Your first consultation is free, there is nothing to pay if you decide not to go ahead, and there is no fee unless we recover compensation for you.