If you have been hurt in a car accident in Toronto, the GTA or southern Ontario you know that the consequences can be life-changing.
Ontario has a no-fault insurance system for automobile and motorcycle accidents. This benefit is available if you are injured in a car accident, truck accident, or motorcycle accident. It is available whether you are a driver or a passenger. The benefits are available even if you are at fault for the accident. In addition to the no-fault Ontario Statutory Accident Benefits, an injured person in Ontario can also obtain compensation from the at-fault driver’s insurance company if there injury meets a certain threshold.
If you are injured as a result of a car accident or motorcycle accident in Ontario, you may be entitled to compensation from two sources:
- Accident Benefits from your own automobile insurance policy or from the insurance for another vehicle involved in the accident
- Tort Claim against the at-fault driver for compensation, including damages that are not available through accident benefits, such as pain and suffering.
Accident Benefits can be very complicated. First, the right insurer must be chosen to be the carrier of your accident benefits claim. There are certain priorities of which insurance company should be applied to. Sometimes a priority dispute may occur after applying for accident benefits, wherein two or more insurance companies will dispute which company should take ownership of the claim.
With Accident Benefits claims, come onerous and copious forms to complete on an ongoing basis, along with stringent deadlines that must be adhered to. This can be a massive source of stress for claimants. To further complicate matters, accident benefits are constantly changing under the STATUTORY ACCIDENT BENEFITS SCHEDULE, O. Reg. 34/10. At Pranzitelli Law Firm, we handle all of your Accident Benefits forms, as well, we take over all communication with the insurance company on your behalf. This way, you can focus on what matters, getting the proper treatment and taking the steps to recovery without distraction
Accident benefits are available to anyone involved in an Ontario motor vehicle accident regardless of who is at fault. These benefits are available under the Ontario auto insurance policy. Accident benefits may pay for items such as:
- Income Replacement
- Medical and Rehabilitation
- Attendant Care
- Non-earner Benefit
- Death Benefits