Personal Injury Legal Consultants in Calgary Who Step in When It Starts Falling Apart
You were told it was a straightforward claim. You filed your OCFs, saw your physio, maybe even talked to a lawyer. Now you’re six months in, the insurance company has you stuck in the Minor Injury Guideline, your rehab benefits are capped, and your tort claim is going nowhere fast. If you’ve been rear-ended, sideswiped, tripped, struck, or dismissed by the same system that claims to protect victims—you already know the problem. What you need now is someone who speaks the language of insurers, adjudicators, and defense firms—and isn’t afraid to use it.
At Pearl Lemon Legal, we consult on personal injury files in Calgary that have stalled, gone quiet, or never got off the ground. We’re not here to repeat what your lawyer said. We’re here to repair the weak points before they become problems in court. That means examining medical records, breaking down liability concepts, and preparing documentation that actually supports your case.
We don’t represent you in court. But we help you—or your legal team—show up fully prepared.
Our Services
Our consulting services are focused on fixing the exact issues that reduce personal injury claim value in Alberta. Whether it’s MIG disputes, surveillance rebuttals, or an adjuster using past injuries against you, we get your file back on track.
Full Case File Review and Damage Structuring
We begin by evaluating your entire claim. From emergency room visits and diagnostic results to insurer communication and adjuster notes, we outline every strength, gap, and weakness.
This helps:
- Spot inconsistencies between statements and treatment
- Strengthen explanations of how the injury occurred
- Identify red flags (like surveillance footage, treatment gaps, or inconsistent daily activity reports)
Clients have used our file analysis to raise settlement expectations by 20–35%.
OCF Rebuilding and AB Benefit Support
Almost every personal injury claim in Alberta includes both tort and accident benefits. And most AB files are full of avoidable mistakes. If your OCF-1, OCF-3, or OCF-6 forms don’t match—or are incomplete—we fix them.
We assist with:
- Resubmission of denied treatment plans
- Supporting documents for OCF-3 (disability certificate)
- Clarifying confusing insurer responses around IRB or medical/rehab limits
We’ve saved clients from losing over $5,000 in benefits due to paperwork issues.
MIG Exit Package Assembly
Being kept in the Minor Injury Guideline limits your care, recovery options, and potential settlement. We collect and present the evidence to prove your injury qualifies for removal—especially in cases involving psychological injury, chronic symptoms, or worsened pre-existing conditions.
We include:
- Timelines for pre-existing condition aggravation
- Cross-checking diagnostic imaging and assessment
- Documentation from out-of-pocket care providers like chiropractors and counselors
Several clients who were denied MIG exits were approved within 60 days after working with us.
Discovery and Mediation Coaching
Discovery isn’t casual—it’s critical. Say the wrong thing about how long you waited to seek treatment, and you could weaken your entire claim. We prepare you to respond clearly and consistently.
We coach you on:
- Avoiding over-explaining or creating contradictions
- Interpreting adjuster tactics and common traps
- Keeping your version of events consistent under pressure
Clients often credit this preparation with avoiding undervalued settlement offers.
Pain Journals and Functionality Logs
Pain isn’t just about discomfort—it’s about the daily impact. We help build documentation like pain diaries and activity logs that connect your symptoms to specific life changes.
This helps:
- Prove loss of enjoyment of life
- Support mental health claims like anxiety or fear of driving
- Show a direct connection between injury and reduced function
One client’s journal became the central evidence in their chronic pain claim.
Income Loss and IRB Review
Your Income Replacement Benefit (IRB) is only as accurate as the information it’s based on. We examine job history, pre-accident earnings, and current work capacity to find miscalculations or gaps.
We review:
- Complications in self-employment records
- Overlaps or confusion with EI, CERB
- Long-term coordination with CPP-D, LTD, or WSIB
In one case, we found a $900/month IRB underpayment due to missed pre-accident hours.
Pre-Litigation Offer Analysis
Insurers often rely on quick, underpriced settlements. We break down your offer, examine the assumptions behind it, and compare it to legal outcomes in similar Alberta cases.
We provide:
- Contextual analysis of your offer-to-settle
- Trial value estimate versus the current offer
- Guidance on mediation timing and expectations
In one case, we helped increase a $22,000 offer by 40% after uncovering missing wage loss data.
Long-Term Disability (LTD) Syncing
When injury claims overlap with LTD, contradictions between files are common. If one file says you can’t work and another says you can, the insurer will use that inconsistency to deny both.
We coordinate:
- Consistent use of medical documentation across claims
- CPP-D and LTD record alignment
- Employment record reviews and ROE verification
Two stories in two files = one rejection. We make sure the evidence matches across platforms.
Surveillance and Social Media Counterproof
Insurers often use private investigators and social media to find inconsistencies. One innocent photo or casual post can be used to discredit your claim. We help you take control before that happens.
We assist with:
- Preparing responses to surveillance reports
- Building supporting documentation to explain inconsistencies
- Cleaning up digital records and preparing sworn statements if needed
We’ve seen parties, vacations, or even backyard BBQ photos used against claimants. We protect you from that.
Why Choose Us
You don’t need another law firm making courtroom promises. You need someone who knows how and why injury claims lose value—and how to fix them before you lose more. Most clients come to us because their case stopped moving, their benefits were cut off, or they were pushed to settle without knowing what they were giving up.
We don’t offer theories. We fix files. That means fast response times, clear explanations, and documentation that insurance teams take seriously.
Whether you have a lawyer or not, we make sure your paperwork, medical records, and timeline work in your favor—not against you.
Frequently Asked Questions
Yes. Many of our clients work with us quietly to prepare for mediation, discovery, or to fix their paperwork.
Yes. We review and correct accident benefits files, prepare rehab plans, and build MIG exit submissions.
We offer legal consulting and case strategy—not courtroom representation. But we help build strong files any lawyer can use.
Most files are reviewed in under 72 hours, depending on length and complexity.
We work on MVA, slip-and-fall, chronic pain, psychological injury, long-term disability, and soft-tissue cases.
Ready to Stop the Bleeding in Your Claim?
You’ve been patient. You filled the forms. You followed the steps. But the insurer delayed, denied, or dismissed your case. If your claim is losing momentum and value, this is where that stops.
Send us your file. We’ll show you what’s missing, what’s costing you, and what needs to be fixed.
We review claims the way insurers do—so you can respond the way most people don’t.
