While the days and weeks after a car accident can be painful and overwhelming, it is critical you take immediate action to protect your right to seek compensation for your injuries and other losses.
No matter who was at fault for causing the accident, there are deadlines to adhere to–some as short as seven days after the car crash took place–and time-sensitive evidence to collect.
After suffering injuries in a car accident, insured drivers in Ontario have access to Accident Benefits – also known as “No-Fault Benefits.” These benefits can cover basic physical and financial damages such as lost income and medical and rehabilitation expenses. However, severe car accidents involving catastrophic or fatal injuries will require further legal action.
London, Ontario car accident lawyers know the provincial laws intimately and can navigate the claims with ease. A skilled accident lawyer can help you fight for your right to compensation.
Our car accident lawyers can meet with you in London for a free initial consultation. Call 1-877-573-3563
Following an Accident
Once someone addresses their medical needs, it is encouraged for them to meet with a car accident lawyer in London, Ontario. They should strongly consider meeting with them before speaking with the insurance company. Otherwise, they run the risk of saying something that can significantly reduce the value of their claim. The sooner someone acts, the better their chances will be for full financial recovery.
Lawyers also recommend their clients do the following to protect their cases from wrongful denials by the insurance companies:
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Seek Medical Help
A person will want to avoid taking any actions that might signal to the insurance company they are not caring for their physical or emotional injuries. Instead, they need to be strict about their treatment by keeping all their medical appointments, following each doctor’s orders, and recording their injuries effects on their daily life in a journal.
Avoid Insurance Forms
Insurance forms can be confusing. Most times, injured parties are unaware that they are signing away their right to full and fair compensation or granting permission to their entire medical history when it is not necessary to make a decision on their claims. London lawyers do not want this to happen to their client. Therefore, they ask them to bring any and all forms the insurance company asks them to sign for a quick review.
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Reject Settlement Offers
Insurance companies are in not in business to maximum amounts for claims. Instead, it behooves them to convince injured parties that they are looking out for their best interests by offering to settle their claims quickly. Though it may be tempting to accept the insurance company’s offer during times of financial hardship, it will rarely be an accurate representation of what someone’s claim worth.
Before accepting any offer to settle their claim, someone needs to be sure to:
- complete their medical treatment and receive a prognosis from their doctor(s) and
- review the offer with a car accident lawyer in London, Ontario to confirm the insurance company has accounted for the long-term impact their injuries will have on their quality of life and ability to earn a living
The goal of filing a third-party liability is to recover the physical, emotional, and financial damages not covered by your Accident Benefits. Therefore, the value of your claim hinges on demonstrating through evidence the full cost of your current damages, as well as the estimated cost of your future damages.
There are two categories of damages. The first category is tangible damages, which lawyers can prove with medical bills, pay stubs or wage reports, and receipts. Future damages, especially those of an emotional nature such as pain and suffering and loss of consortium or permanent loss of earning capacity, require expert knowledge to arrive at accurate values.
Other examples of future damages include retrofitting your home to accommodate your disability and the need for ongoing rehabilitation or in-home care. When you work with a London, Ontario car accident lawyer, they can gather the evidence and expert testimony necessary to reach a correct estimate.