What if you lost your blackboard or don’t want to?
How do you figure out what the claim is worth?
These are the questions being asked as more people in Nova Scotia seek help for their blackboards.CBC Nova Scotia reporter John Vause has more on the question of liability insurance.
The Insurance Bureau of Nova Scotia estimates about 70 per cent of all blackboard accidents are caused by falling objects, according to a report published in July.
And while many people assume the blackboard is a liability insurance policy, it can also be a life insurance policy or even a tax deductible insurance policy.
The main thing to remember is that blackboards can be worth more than you think.
For example, if a black board falls and hits your foot, you can usually claim the damage as a loss on your property taxes.
But in most cases, it’s a simple matter of calculating the value of the property.CBC’s Vause talked to people who lost their blackboard and the insurance experts who provide them.
We wanted to know what to do if you are looking to claim the property damage and are unsure what the payout will be.
The answers are a bit complicated.
The provincial government has an online tool that you can use to figure out how much you’ll have to pay to claim your loss.
The calculator works the same way, with the assumption that you lost the blackboards property.
But if you’re not sure how much it’ll be, you’ll need to check your property tax bill and compare it to the amount you’ll actually have to cover your loss in order to claim that.
It also assumes you’re still alive when the accident happens.
If you’re in a car accident, for example, you may not be able to claim a loss, but you will need to pay for the damage.
To get a better idea of how much a blackboarding injury might cost, we asked a couple of insurance companies for the best rates they were offering on their policies.
We also asked a few different people to give us a quote.
Here’s what they told us.
What you’ll pay in claimsIf you’re going to be in a black-board accident, the best option is to have a lawyer to help you out.
In Nova Scotia, you pay the total claim amount and then the lawyer gets paid a fee based on how much of that amount is covered by the insurance.
In the case of a blackboards injury, the lawyer will deduct the value you were injured from your tax liability and then you’ll get the rest of the money back.CBC can’t guarantee that the lawyer won’t charge you a fee, but in our research, it seems that a lawyer is rarely charged more than $300 per claim.
If the lawyer charges you more, you’re out of luck.CBC did find that a black boards lawyer can charge you more than what they are charged for a standard car accident lawyer, which we found to be around $350.
So in other words, the black board attorney will likely charge you about twice as much for their work.
However, we did find a black Board lawyer to be an affordable option for some people.
They are listed on the Nova Scotia Insurance Association website, and you can get a quote online for a flat fee of $200.
The lawyer will typically ask for a deposit to cover their costs and they can be found on the website.
In most cases that don’t seem to be the case, a lawyer can be very flexible with the amount that they charge and also the way they pay.
In other words you can ask for the money upfront, which can make it much cheaper.
You can also ask to speak to a property manager to see if they will be willing to cover the loss.
If they are, then you can also deduct the difference in the property tax bills.CBC asked some property managers to comment on the black boards insurance rates, but the responses weren’t great.
Property managers say they are not responsible for what happens after an accident.
The insurance company doesn’t cover the damage that the property manager does, so they can’t be held liable.
But property managers are also often the ones to decide how much to cover for blackboard injuries.
If a blackBoard is hit by a car, the property owner can often deduct the damage from the insurance bill, but that only applies if they can prove they weren’t at fault.
Property managers also typically won’t cover a black Boards injury in the same case, so the property doesn’t necessarily have to provide coverage.
But if you have an accident that ends up with your blackBoard on the ground and you’re unable to recover it, there’s a chance you could still be responsible for the property insurance bill.
So you may be able recover the property through the insurance company, but if the property is still covered by blackboards, you might be required to pay the property’s insurance premium and claim it back.
But as CBC has seen before, property