In Toronto, individuals have the benefit of government-funded health care under the OHIP system. If you are injured in a bicycle accident, you will be covered through OHIP. However, if you need chiropractic treatments, physiotherapy, acupuncture – things that are typically not covered through OHIP – you can go through your own motor vehicle accident insurance policy. If you do not have a motor vehicle insurance policy in place, then you can pursue medical benefits through the at-fault driver’s insurance policy.
In Ontario, there is something called the Motor Vehicle Accident Claims Fund, which is a government institution that deals with circumstances where there is no insurance. An injured person can apply to the fund to get coverage for these medical benefits not covered under OHIP after a Toronto bicycle accident.
If you would like a better understanding of the role of health insurance after a bicycle accident in Toronto, you should work with a skilled Toronto bicycle accident lawyer who can best explain the steps you should take.
Our bicycle accident lawyers can meet with you in Toronto for a free initial consultation. Call (416) 364-2000
Insurance Benefits
The health insurance benefits available after a bicycle accident in Toronto are pretty self-evident in terms of the types of medical treatment that are available to the individual but is also important if a person cannot work. Under an individual’s motor vehicle insurance policy, the insurance company can provide up to $400 a week for income replacement benefit.
When involved in a bicycle accident, there are no factors that are not applicable in Ontario if an individual is a cyclist. If a person is a driver of the vehicle that hits the cyclist, then the person’s insurance rates are very likely going to increase. A person’s insurance rates are not going to be affected if a person had a bicycle accident in Toronto.
Toronto Role of Health Insurance Lawyer Near Me (416) 364-2000
Sick Leave
Insurance companies exist to make money. The only way they make money is by potentially limiting their exposure to these types of cases, even though the person’s doctor says that they cannot work.
The insurance companies will very often send a person to an insurance doctor who will claim that they can work and that the injuries are minimal. If that occurs, then the insurer may cut the person off from insurance benefits after their Toronto bicycle accident.
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Settlements
Under certain circumstances, health insurance companies may require people to reimburse them for paid medical expenses if the person receives a bike accident settlement.
There is something called a subrogated claim in Toronto. Depending on the wording of an individual’s benefits policy, if a person has gone through their work insurance policy for treatments or some sort of disability payment, the insurance company may require them to repay out of the proceeds of the settlement of the lawsuit. That is a contractual obligation that may be found in extended health care benefits.
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Benefit of a Lawyer
In Toronto, the law has fairly drastically changed in the last few years and it is quite complex. It can be very difficult to deal with as a lay person. There are a lot of regulations surrounding an individual’s insurance benefits after a bicycle accident in Toronto and the type of compensation they can receive.
It is important to get a lawyer involved when dealing with health insurance companies after a bicycle accident in Toronto, because they can assist the person with this process early and quickly. There are also time requirements in terms of when a person can submit an application.
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