Each and every day, motorists not just in Toronto but across Canada take to the roads, rarely giving any serious consideration to the danger their chosen form of transportation may represent. While most trips end in an uneventful manner, serious accidents do in fact occur, leaving victims to contend with injuries, permanent disability and worse.
If you or a loved one have sustained injuries resulting from a car crash and wish to explore your potential legal options, one of our Toronto motor vehicle accident lawyers is prepared to help. An experienced personal injury lawyer can assist you in recovering damages and ensure that your claim is as strong as possible.
Common Causes of Serious Car Crashes
Automobile accidents can unfold under a seemingly endless array of circumstances. It behooves victims to gain a strong understanding of the sorts of negligence that may give rise to an actionable injury claim.
Some of the most frequently observed scenarios responsible for crashes in Toronto include, but are not limited to:
- Drunk and drugged driving
- Failure to react appropriately to changes in weather/road conditions
- Failure to heed traffic signals
- Texting while driving
- Traveling at excessive speeds
- Ill-advised lane changes
- Motorist fatigue
- Errors in judgment
- Inattentive/distracted driving
- Improper loading of cargo in large trucks
- Defectively designed or manufactured vehicles and/or components
No two accidents are the same. It is necessary for those who suffer injuries to seek the aid of a skilled lawyer who understands how to isolate critical evidence, make use of knowledgeable subject matter experts and build the strongest arguments possible in order to secure the financial resources victims are certain to require for their recovery.
Types of Injuries in Toronto Motor Vehicle Accidents
When it comes to the sorts of harm so often sustained in major car crashes, no amount of money can ever completely eliminate the anxiety, pain and other trauma experienced. The reason for this is that the types of injuries sustained by individuals impacted by the negligence of other drivers routinely encompasses:
- Severe bone fractures
- Disc herniation
- Torn ligaments
- Deep lacerations
- Skin burns potentially leading to permanent disfigurement
- Chronic pain
- Spinal cord damage/possible paralysis
- Damage to vital organs
- Internal bleeding events
- Traumatic brain injury/cognitive disability
Outcomes like these have the potential to produce massive medical expenses, lifelong disability and dependency on others, emotional trauma, lost wages, irreparable damage to relationships and other catastrophic harm.
As such, victims should assert their right to fair compensation from each and every negligent party responsible.
Ontario Auto Insurance Coverage
All vehicle owners within Ontario are legally required to purchase a standard policy of auto insurance. Minimum mandatory coverage under such policies includes third-party liability, direct compensation for property damage, no-fault accident benefits and uninsured motorist benefits.
You also can purchase optional benefits designed to boost coverage in the medical, attendant care and rehabilitation categories, and also to provide for greater levels of income replacement, housekeeping and maintenance assistance, caregiver benefits, death benefits and more.
Tort Claims for Accidents
While accident benefits can be helpful in recovering from a motor vehicle collision, there are times when the compensation available through such channels cannot cover the losses sustained due to someone else’s negligence.
When this occurs, a tort action against an at-fault driver may be the best available option, and an experienced Toronto motor vehicle accident lawyer can advise their client of the best course of action.
How much is my Toronto motor vehicle accident claim worth?
There are certain categories of loss for which it is relatively easy to determine fair monetary value. Medical bills, property damage repair bills, wage loss and the like can be ascertained by reviewing records, invoices and employment information to determine proper compensation levels. However, there are other areas in which the true harm sustained is far more difficult to peg.
Financial calculations related to physical pain and emotional distress common to tort claims require detailed analysis of the types of professional treatment needed to address them, the probable impact on the victim’s previous lifestyle, employment prospects and relationships, and other factors.
Establishing damages in the aftermath of an auto accident is an essential part of ensuring full and fair compensation. Collecting and assembling vital documentation is perhaps the most important task involved in obtaining maximum financial recovery, and it is useful for victims to understand some of the categories of evidence that can prove pivotal to their success.
In order to assess the true degree of loss and expense incurred as the result of an auto accident, it is wise for victims to seek and undergo any and all medical treatment necessary. Establishing a baseline condition from which future needs may be projected is essential to accurate valuation. Keeping records of all testing, prescriptions, treatment, and therapy received can be extremely helpful in securing a fair and appropriate level of benefits.
Income/Wage Loss Documentation
While it is likely medical costs will represent the majority of losses in a typical car crash claim, lost pay due to missed workdays can rapidly cripple family finances. Victims should assemble as much documentation as they can concerning their customary wage rate, average tips received and other applicable figures regarding income.
Contact a Toronto Motor Vehicle Accident Lawyer Today
Upon first glance, it may seem as though the no-fault nature of Ontario’s auto insurance system is designed to ensure that everyone negatively impacted by a vehicle crash receives sufficient resources to fuel their recovery and compensate for their losses. However, all policyholders must bear in mind that insurance companies are not in the business of paying claims they believe to be excessive or abusive in nature, and they will do everything possible to diminish or even deny legitimate benefit amounts whenever possible.
There is absolutely no substitute for the insight and knowledgeable representation only an experienced Toronto motor vehicle accident lawyer can provide. Contact Preszler Law Firm today for a free case review.