In accordance with the province’s Compulsory Automobile Insurance Act, anyone who owns, leases, or operates a motor vehicle must have insurance. All standard automobile insurance policies throughout Ontario are required to provide coverage in accordance with the provincial Statutory Accident Benefits Schedule (SABS). The provincial SABS outlines the different types of coverage that must be included in all automobile insurance policies, including no-fault accident benefits.
Accident benefits are designed to offset certain costs incurred by automobile insurance policyholders after sustaining injuries in a motor vehicle collision. If you were hurt in a car accident, you might be eligible for accident benefits through your insurance provider.
Since all automobile insurance policies are required to include coverage for no-fault accident benefits, even if your own errors or misjudgments on the road contributed to the factors that caused your collision to occur, if you were injured in the crash, you could still be entitled to accident benefits. They should be made available to any injured policyholder who survived the crash, regardless of their level of responsibility for causing the accident to take place.
Car accidents can have devastating outcomes. Regardless of who was at-fault for the collision, injured motorists could find themselves coping with serious physical, emotional, psychological, and financial hardships for the rest of their lives. Unfortunately, serious accidents on the province’s roads and highways continue to take place at an alarming frequency. According to a recent report on provincial traffic safety statistics issued by the Ontario Ministry of Transportation, nearly 43,000 Ontarians were involved in an injurious or deadly car accident in one year alone.
For the tens of thousands of people throughout the province injured in preventable car crashes, the road to recovery can be physically demanding, psychologically exhausting, and overwhelmingly expensive. Accident benefits can provide much-needed financial support to injured survivors of motor vehicle collisions, so that they can focus on their recovery without developing legitimate anxieties over economic uncertainties.
Unfortunately, not all claims for accident benefits are approved by insurance providers. Furthermore, depending on the severity of the injuries sustained and the overall effect they have had on a car accident survivor’s quality of life, the insurance coverage to which they are entitled might be insufficient to replace their total, cumulative losses.
If you have questions about your accident benefits claim, require assistance completing your application, believe you have been offered an unfair settlement amount, or if your claim for accident benefits was denied even though you sustained injuries in a collision, contact Preszler Injury Lawyers today and speak with our Ontario accident benefits lawyers.
Coverage That Might Be Available
Nobody expects to sustain serious injuries in a car accident, and no one appreciates just how expensive recovering from accident-related injuries can be until they themselves are in that unfortunate situation. Injured car accident survivors frequently incur substantial, necessary costs related to their recovery, their medical treatment, and their future health and comfort.
That is why accident benefits are so important. Without access to proper insurance coverage, depending on the severity of the injuries they have sustained, being injured in a car accident could rewrite the course of a person’s entire future.
Accident benefits are designed to provide injured policyholders with a limited amount of funding to cover the costs of certain injury-related expenses. These expenses often include:
- Medical expenses
- Ambulance bills
- Medical equipment
- Mobility aids
- Chiropractic sessions
- Massage therapy
- Strength-training exercise programs
- Psychological counselling
- Home modifications to accommodate acquired disabilities
- Mileage expenses for trips to and from medical appointments
- And possibly more
Automobile insurance policyholders who have sustained permanent, catastrophic injuries could be entitled to additional accident benefits. In accordance with the Ontario SABS, catastrophically injured survivors of motor vehicle collisions may be entitled to:
- Up to $1 million for medical expenses and attendant care
- Up to $100 per week for housekeeping services and home maintenance
- Income replacement payments of 70% of a policyholder’s regular earnings (up to a maximum of $400 per week)
- And possibly more
Applying for Accident Benefits
In order for insurance companies to determine whether injured car crash survivors are eligible for accident benefits, injured policyholders must complete and submit Auto Insurance Claims Forms (OCF forms). Based on the information provided on an accident victim’s OCF forms, insurance providers will determine whether they are entitled to receive coverage to offset their injury-related costs.
Making mistakes when completing OCF forms can have serious, unintended consequences. OCF forms are subject to strict submission deadlines. Failing to submit the correct forms before their individual due dates could cause an injured accident survivor’s claim to be denied.
Some OCF forms need to be completed by the injured car crash survivor’s healthcare providers. Other forms need to be filled out by their employers. And there is only a short period of time available to coordinate with other parties, complete the forms, and have them signed and submitted to insurance providers before their deadline.
Furthermore, the wording of OCF forms can be difficult to understand. Knowingly submitting OCF forms with incorrect or misleading information is a criminal offense.
If you are concerned about filling out your OCF forms properly and would like guidance and assistance from our Ontario accident benefits lawyers, call 1-800-JUSTICE to schedule your free initial consultation today.
How an Ontario Accident Benefits Lawyer May Be Able to Help
Unfortunately, for a variety of reasons, insurance providers often determine that injured survivors of motor vehicle collisions do not meet the eligibility requirements to receive accident benefits. When insurance companies withhold payments from policyholders who should have the right to claim them, they can make life overwhelmingly difficult for seriously injured car accident survivors.
If your claim for accident benefits was turned down by your insurer, a free initial consultation with our accident benefits lawyers serving all of Ontario may be beneficial to you. Our Ontario accident benefits lawyers understand the tactics often used by insurance companies to deny the claims of eligible policyholders and are committed to helping the clients we represent receive the fair treatment they are rightfully owed.
To review your situation with our Ontario accident benefits lawyers and learn more about how Preszler Injury Lawyers may be able to assist you, call 1-800-justice today for your free initial consultation.
Contact Preszler Injury Lawyers Today
By taking advantage of a free initial consultation with our accident benefits lawyers serving all of Ontario, you will have the opportunity to receive personalized, case-specific, cost-free legal advice tailored to the details of your claim. To learn about options for financial recovery that might be available to you, contact Preszler Injury Lawyers.