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Preszler Injury Lawyers

Kirkland Lake Catastrophic injury Lawyers


Rebuilding your life after a severe car accident can be an enormous challenge. Motor vehicle collisions can result in a number of injuries that vary in severity. Depending on the severity of their injuries, car accident survivors may face recovery periods that take several weeks, months, or even years. But catastrophically impaired survivors of motor vehicle accidents will likely feel the adverse impacts of their permanent injuries for the rest of their lives.

The aftermath of a car accident resulting in catastrophic impairments can be fraught with overwhelming physical, emotional, and financial challenges. However, regardless of who was responsible for causing the collision, accident survivors who have been catastrophically injured should be entitled to no-fault accident benefits.

In Ontario, the Statutory Accident Benefits Schedule (SABS) requires all auto insurance plans to include accident benefits coverage for injured motor vehicle accident survivors. Accident benefits provide crucial financial support to drivers, passengers, motorcycle riders, pedestrians, and cyclists who have been injured in accidents.

According to this legislation, the severity of the injuries sustained should determine the amount of accident benefits that should be allocated to individual claimants, as well as the amount of time for which these benefits should be made available. The SABS requires the following accident benefits amounts to be included in all basic auto insurance plans throughout the province:

  • $3,500 in medical and rehabilitation benefits for accident victims who sustained minor injuries
  • $65,000 over 5 years for the combined total costs of medical, rehabilitation, and attendant care benefits for accident victims who sustained non-minor, non-catastrophic injuries
  • $1 million for life in combined medical, rehabilitation, and attendant care benefits for accident victims who sustained catastrophic injuries

Since catastrophically impaired accident victims are entitled to higher levels of coverage, the SABS provides a clear and specific definition as to which injuries meet the threshold of catastrophic impairment. A car accident survivor whose collision resulted in at least one of the following outcomes should be able to receive a catastrophic impairment designation:

  • Paraplegia or Tetraplegia
  • Severe impairment of ambulatory mobility or use of an arm; or Amputation
  • Loss of Vision of Both Eyes
  • Traumatic Brain Injury (TBI) meeting the Glasgow Outcome Scale-Extended (GOS-E) criteria
  • Physical Impairment or Combination of Physical Impairments (which results in 55% or more of whole person)
  • Mental or Behavioural Impairment (excluding Traumatic Brain Injury) Combined with a Physical Impairment (which results in 55% or more impairment of the whole person)
  • Marked impairment in three or more areas of function that precludes useful functioning; or an Extreme impairment in one or more areas of functioning due to mental or behavioural disorder

To apply for a designation of catastrophic impairment, a claimant’s physician or a medical expert familiar with their injuries must complete an OCF-19 form to be included along with the applicant’s insurance claim. However, insurers may disregard or dispute the medical opinions and evidence submitted by claimants’ physicians. In doing so, they may require claimants to submit to independent medical examinations to delay or withhold payment of appropriate accident benefits.

Insurance companies might also use a host of coercive tactics to try pressuring injured claimants into accepting lower settlement amounts than what they should be owed. It might seem easier to simply give in to the insurance company’s unfair methods rather than engaging in a potentially long-lasting dispute resolution process.

The challenges of facing catastrophically impaired accident survivors can seem insurmountable, especially when insurance providers refuse to pay what they rightfully owe. However, our Kirkland Lake catastrophic injury lawyers are committed to helping injured members of our community receive fair coverage and treatment from their insurance providers. To learn about options for financial recovery that might be available to you, schedule a free initial consultation with our catastrophic injury lawyers serving Kirkland Lake today.

Talk With Our Legal Team



If you have any questions and would like to schedule a call with our legal team for a FREE no-obligation consultation, contact us now. During this call you can ask any questions as it relates to your accident and/or claim and we'll discuss your options and possible outcomes.

Regardless of where you're located in Ontario – we may be able to help you. Don't delay - call us. Our lines are open 24/7.

Call Today for Your Free Initial Consultation

During a free initial consultation with our Kirkland Lake catastrophic injury lawyers, you will have the chance to review your case, receive personalized legal feedback, and learn how we may be able to support you throughout this difficult time. To get started, contact us today to schedule your cost-free, no-obligation first meeting with our catastrophic injury lawyers serving Kirkland Lake.

 

Areas We Serve

Practice Areas

Call us now at
1-800-JUSTICE
®

151 Eglinton Ave W,
Toronto, ON
M4R 1A6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
4145 N Service Rd
Burlington, ON
L7L 4X6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
2 County Ct Blvd #400,
Brampton, ON
L6W 3W8
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
105 Consumers Drive
Whitby, ON
L1N 1C4
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
92 Caplan Ave #121,
Barrie, ON
L4N 0Z7
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
380 Wellington St Tower B, 6th Floor,
London, ON
N6A 5B5
Toll Free: 1-888-608-2111
2233 Argentia Rd Suite 302,
East Tower Mississauga, ON
L5N 6A6
Toll Free: 1-888-608-2111
1 Hunter St E,
Hamilton, ON
L8N 3W1
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
459 George St N,
Peterborough, ON
K9H 3R9
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
116 Lisgar Street, Suite 300
Ottawa ON
K2P 0C2
Toll Free: 1-888-608-2111
10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
Toll Free: 1-888-608-2111
*consultation offices

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