Statutory Accident Benefits are available under every auto insurance policy in Ontario. If you, as a driver, passenger, or pedestrian, are injured in a car accident, you are entitled to Accident Benefits, regardless of who is at fault.
You must notify your insurance company of your involvement in the car accident immediately. If you were a pedestrian struck by a vehicle and you do not have insurance, you would notify the insurance company of the vehicle that struck you.
You may be entitled to the following benefits if you are injured:
Medical benefits pay for medical expenses incurred as a result of your injury.
Rehabilitation benefits pay for rehabilitation expenses incurred to treat your injury.
Caregiver benefits compensate you in cases of catastrophic impairment for expenses incurred as a result of your substantial inability to continue caring for a dependent.
Income Replacement benefits compensate you for lost income, up to 70% of your gross employment income, capped at $400.00 per week. This benefit is payable up to two years after your car accident, and in some cases, even after two years post-accident.
Non-Earner benefits compensate you when you do not qualify for the Income Replacement benefit or the Caregiver benefit, and you suffer a complete inability to carry on a normal life.
Attendant Care benefits compensate you for expenses incurred for the services of an aide, attendant, or long-term care facility.
You may also be compensated for other expenses such as housekeeping and home maintenance, for example.
Death and Funeral
If death results from a car accident, family members of the deceased may be entitled to death benefits and some funeral expenses, capped at a certain figure.
Keep in mind that Accident Benefits are not automatically paid out by insurance companies. Several forms must be filled out and submitted within a certain period of time. The paperwork required for Accident Benefits claims is not always straightforward. In addition, insurance companies often request a sworn statement following a car accident wherein you are questioned about how the accident occurred and the injuries you suffered.
We highly recommend you speak to an experienced personal injury lawyer before completing any Accident Benefits paperwork and before agreeing to provide a sworn statement. Standard automobile policies cover up to $3,500 in medical and rehabilitation benefits, but you may be entitled to more.
At Shemon Law, we guide through each step of your Accident Benefits claim and set you up for maximum entitlement.
Choosing the best personal injury lawyer in Toronto (or the best Accident Benefits lawyer in Toronto) can be a challenge. Shemon Law has been the go-to law firm for many. Our success in representing clients has earned the respect of individuals from all walks of life, and our consistent track record continues to attract attention and esteem.
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