Car Accident Lawyers in Moncton

If you were hurt in a collision on Wheeler Boulevard, at a Mountain Road intersection, on Route 2 outside the city, or anywhere else in the Moncton area, CLG Injury Law can tell you within one conversation whether you have a claim worth pursuing. We act for people injured in car accidents across Greater Moncton, Dieppe and Riverview, and we deal with the insurer so you do not have to. There is no fee unless we recover compensation for you.

How long do you have to sue after a Moncton car accident?

Two years from the date of the accident, in most cases. That is the general rule under section 5(1)(a) of New Brunswick’s Limitation of Actions Act, and missing it usually ends the claim no matter how strong it is.

There are limited exceptions. If an injury was not reasonably discoverable at the time, the clock can start later than the crash date, and different rules apply where the injured person was a minor or under a disability. A 15-year ultimate limitation period applies regardless.

Other deadlines are much shorter and catch people out. Section B claims with your own insurer, claims against the province and claims against a municipality all come with notice requirements far shorter than two years. We set out every one of them in our guide to how long you have to file a car accident claim in New Brunswick.

Two years sounds like a long time. It is not. Most of it gets spent in treatment and in back-and-forth with the insurer, and the evidence that decides your claim, meaning the vehicle damage, the scene, and witnesses who still remember it clearly, is at its best in the first few weeks.

If your accident was recent, the useful thing to do today is find out whether you have a claim at all. That takes one phone call, it is free, and it does not commit you to anything.

What is your Moncton car accident claim actually worth?

The honest answer is that nobody can tell you without seeing your medical records. But the thing that decides it more than anything else in this province is whether your injury is classified as minor.

For accidents on or after January 1, 2026, New Brunswick caps pain and suffering compensation for minor injuries at $9,926.59. The regulation defines a minor injury as a contusion, abrasion, laceration, sprain, strain or whiplash associated disorder. Anything outside that list is not capped at all.

Insurers push hard to place you inside the cap. But even a listed injury can fall outside it, depending on how it has actually affected your life, and that is a medical and legal argument rather than something an adjuster gets to settle on your behalf. In a serious case the difference between a capped and an uncapped claim can be more than $100,000.

The cap also applies only to pain and suffering. It does not touch what you can claim for lost income, future loss of earning capacity, medical and rehabilitation costs, or care you now need at home.

Section B benefits, and what your own insurer owes you regardless of fault

Every standard New Brunswick auto policy carries Section B accident benefits. These are paid by your own insurer whether or not the crash was your fault, and they are separate from any claim against the other driver.

Section B covers up to $50,000 in medical and rehabilitation expenses, weekly income replacement if you cannot work, and housekeeping benefits of up to $100 per week for 52 weeks.

The deadlines on Section B are much shorter than the two-year limitation period. You need to notify your own insurer and get your claim in within weeks of the accident, not years. These are the deadlines people miss, because they are busy being injured and nobody tells them the clock is running.

Two things people get wrong here. The first is assuming Section B is the whole process, when it is only the part your own policy pays. The second is assuming that taking it closes the door on a claim against the at-fault driver. It does not.

Moncton car accident claims we handle

If your collision is on this list, we can help:

       
• Rear-end collisions, including the low-speed impacts insurers try to dismiss
       
• Intersection and left-turn crashes where fault is disputed
       
• Head-on collisions
       
• Highway collisions on Route 2, Route 15 and the Wheeler
       
• Distracted driving and impaired driving crashes
       
• Multi-vehicle pile-ups, including winter weather chain collisions
       
• Hit and run, and crashes caused by uninsured or underinsured drivers
       
• Passengers injured in someone else’s vehicle
       
• Claims your own insurer has delayed, reduced or denied
     

If it is not on the list, call anyway. The cases that look unusual are often the ones worth the most.

The injuries we see most after Moncton collisions

Whiplash and other soft-tissue injuries, concussions and traumatic brain injuries, fractures, spinal and disc injuries, shoulder and knee damage, chronic pain, and the anxiety and PTSD that follow a serious crash.

Two of those matter more than people realise. Concussions are routinely missed at the roadside and at the first emergency visit, and the symptoms get written off as stress. Chronic pain is the injury insurers fight hardest, because it does not show up on an X-ray. Both are often the difference between a capped claim and an uncapped one, so both need to be documented properly from the start.

If you were partly at fault, or the other driver had no insurance

New Brunswick applies contributory negligence, which means being partly responsible reduces your recovery in proportion to your share of the fault rather than wiping it out. Being told by an adjuster that you were at fault is an opening position, not a finding, and it is frequently wrong.

If the at-fault driver was uninsured or left the scene, recovery may still be available through the uninsured and unidentified motorist coverage that every New Brunswick auto policy carries. These claims have their own notice requirements and shorter deadlines than the two-year limitation period, so they are the ones where delay does the most damage.

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What to do after a collision in Moncton

Get assessed, even if you feel fine. The Moncton Hospital and Dr. Georges-L.-Dumont University Hospital Centre both have emergency departments. Concussions and soft-tissue injuries routinely present days later, and a gap between the crash and your first medical record is the single most common argument an insurer uses to discount a claim.

Make sure a police report exists. Call 911 if anyone is injured. Codiac Regional RCMP covers Moncton, Dieppe and Riverview, and a collision needs to be reported to police where damage exceeds $2,000. Even for a small impact, the report is an independent record that protects you later.

Photograph everything before the vehicles move. Final resting positions, damage to both vehicles, skid marks, road surface, sightlines, signage, and the weather. Winter collisions on Route 2 and Route 15 often turn on conditions that are gone by the next day.

Collect witness names and numbers yourself. Independent witnesses are frequently the difference between a disputed claim and a settled one, and nobody else is going to collect them for you.

Be careful with the recorded statement. The adjuster who calls in the first week is pleasant and is gathering evidence. You are not obliged to give a recorded statement to the other driver’s insurer, and you should speak to a lawyer before you do.

There is a fuller walkthrough in what to do in the first 24 hours after a car accident in New Brunswick.

Do you actually need a lawyer for this?

Not always, and we will tell you if you do not. If your car was scratched and you walked away without an injury, you do not need us.

You probably do need a lawyer if any of these are true. You have missed work or expect to. Your symptoms are still there after a few weeks. The insurer is calling you about a settlement. You have been told the crash was partly your fault. Your Section B benefits have been cut off or refused. The other driver had no insurance.

The reason is simple. Those are the situations where the amount on the table and the amount the claim is actually worth are furthest apart, and where the decisions you make in the first month are the hardest to undo later.

What happens when you call us

You speak to someone about what happened. We ask about the crash, your injuries and what the insurer has said so far, and we tell you honestly whether we think you have a claim worth pursuing.

That conversation is free and there is no obligation at the end of it. If we do take your case, we work on contingency, so our fee comes out of what we recover and there is nothing to pay if we recover nothing. You are not asked for money up front at any stage.

From there, we deal with the insurer. You concentrate on your treatment.

Where a Moncton car accident claim is actually heard

Most claims settle without a trial, and yours probably will too. If it does not, it would be filed in the Court of King’s Bench of New Brunswick, which sits at the Moncton Law Courts on Assomption Boulevard.

Even if your claim never gets that far, it matters that it could. Insurers settle differently when the firm on the other side is one that actually goes to trial.

Why people in Moncton choose CLG Injury Law

We have an office in Moncton, so you are not managing your claim through a call centre in another province. We act for people across Moncton, Dieppe and Riverview, and we know the insurers, the adjusters and the medical providers here.

The consultation is free, it costs you nothing if you decide not to proceed, and there is no fee unless we recover compensation for you.