Ontario Accident Benefits Lawyers
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, you could 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.
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. Regardless of who was at-fault for the collision, injured motorists could find themselves coping with physical, emotional, psychological, and financial hardships.
For the tens of thousands of people throughout the province injured in preventable car accidents, the road to recovery may cause mental, physical and financial hardships. Accident benefits can provide much-needed financial support to injured survivors of motor vehicle collisions, so that they can focus on their recovery.
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 insurance applications, 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 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 costs related to their recovery, their medical treatment, and their future health and comfort.
That is why accident benefits are so important. Accident benefits are designed to provide injured policyholders with 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 counseling
- Home modifications to accommodate acquired disabilities
- Mileage expenses for trips to and from medical appointments
- And possibly more
The amount of accident benefits allocated to car crash survivors is based on the severity of the injuries they have sustained. Claimants who have sustained non-minor, non-catastrophic injuries can receive up to $3,000 per month for medical, rehabilitation, and attendant care benefits. These monthly payments could be available for a maximum of 5 years from the date of the accident, or up to a total of $65,000.
Car accident survivors who have sustained 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:
- A maximum of $6,000 per month for medical, rehabilitation, and attendant care benefits (up to a total of $1 million)
- Up to $100 per week in perpetuity for housekeeping services and home maintenance
- Income replacement payments of 70% of gross weekly 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 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 also a criminal offense.
Contact Preszler Injury Lawyers Today
Sometimes insurance providers determine that injured survivors of motor vehicle collisions do not meet the eligibility requirements to receive accident benefits. If your claim for accident benefits was turned down by your insurer, a free initial consultation with our accident benefits lawyers is recommended. We can help clients throughout Ontario, regardless of where you live in the province.
Our Ontario accident benefits lawyers 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 us today. for your free initial consultation or book a consultation with us online.
By taking advantage of a free initial consultation with our Ontario accident benefit lawyers, you will have the opportunity to review your cases with a member of our legal team who will advise you on your situation. To learn about options for financial recovery that might be available to you, contact Preszler Injury Lawyers.