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What is an OCF 6 Form ?
The importance of properly filling out the OCF 6 form when applying for Ontario Accident Benefits.
If you have been injured in a motor vehicle accident in Ontario, chances are you will need support and compensation. This support and compensation comes from insurance. Ontario Accident Benefits can also cover many expenses, supports and treatments. Ontario Accident Benefits can also cover lost wages. There is a section under Ontario Accident Benefits that are considered to “Other Expenses”. To apply for compensation for these benefits, you must complete and a detailed OCF-6 form, otherwise known as an “Expenses Claim Form”.
It’s important you try as best as possible to properly and completely fill out this form. If in doubt, consult with an experienced personal injury lawyer. At our firm, we have staff dedicated to filling out Ontario Accident Benefits Forms and can help.
Take your time filling out an OCF 6 Form
It’s important to really take your time when filling an OCF-6 Accident Benefits form. Keep a close track of lost income and other financial losses. When filing an OCF-6 Accident Benefits form remember that insurance companies are going to ask for proof. You will be required to show proof of your losses in the form of original bills and receipts. It’s important you ask for a receipt for everything you are going to claim under your insurance policy. It’s also a good idea to keep a copy of all your receipts, bills and documents and keep a copy for your records.
Know to ask for an OCF 6 Form
The OCF 6 form is not included in a“basic” Accident Benefits Application Package. Obtaining an Accident Benefits package is simple. Once you contact your insurance company, they will send you a package in the mail and you must complete it and send back within a timely manner. Be sure to ask for an OCF 6 Form as well if you have incurred other expenses. Alternatively you can download OCF Forms here.
Other Expenses refers to additional expenses that are deemed “reasonable and necessary.” These expenses must be directly related to your accident. It’s important to be honest. Falsifying an Accident Benefits application is a serious offense under the Ontario Insurance Act. No one wins with insurance fraud. There may be some expenses that are covered in other sections of your Ontario Accident Benefits. Even if an expense is covered under another benefit or insurance policy and you aren’t sure whether or not to submit it, consult your personal injury lawyer or include it and let the insurance adjuster will look at it and determine what is covered
Examples of other expenses that may be covered on an OCF 6 Form:
“Other Expenses” may include a variety of expenses as long as they are directly related to your accident. For example, typical expenses that are often included on an OCF 6 form include:
- Visitors’ travel expenses such as hotels, taxis, parking, flights
- Housekeeping and home maintenance costs. This is an optional benefit that you have hopefully purchased
- Caregiver benefit: Another optional benefit which you have hopefully opted for and purchased
- Lost, damaged clothing and personal items such as eyeglasses, hearing aids, dentures and so on
- Prescriptions, ambulance bills and personal belongings
- Assistive devices such as walkers, crutches, prostheses and wheelchairs
- Lost educational expenses such as tuition, fees
We have a team of lawyers and Accident Benefits specialists dedicated to helping you with your Accident Benefits. We can help you complete your OCF 6 forms and help you by ensuring your application is complete. There are many expenses that are covered that most people do not know about. We do.
Let us help you with your OCF 6 Form
If you would like help with your OCF 6 Form, contact one of our personal injury lawyers or accident benefits specialists free of charge and we can help you.
Ottawa Personal Injury Lawyers and the Ontario Court of Appeal – Farmers insuring ATVs
By: Brent Meadows
The Ontario Court of Appeal had to decide whether an unmodified all-terrain vehicle (ATV) owned and used by a farmer for day-to-day farming operations was a “self-propelled implement of husbandry” (ie. vehicle for farming). If an ATV is considered as such, then it would not be subject to Ontario’s mandatory vehicle insurance regime. In other words, it wouldn’t necessarily have to be insured under said regime.
Mr. Matheson, the plaintiff, owns approximately 900 acres of farm land that abuts onto a highway. On the day of the accident he used his ATV to get from one part of his land to the other using the highway. He only intended to drive his uninsured ATV on the highway for a short period of time. Sadly, while driving on the highway he was struck by Mr. Lewis and suffered catastrophic injuries.
The plaintiffs brought, inter alia, a Rule 21 motion (ie. determination of an issue before trial) to determine whether their claim was statute barred by operation of s.267.6(1) of the Insurance Act which provides that a person is not entitled to damages for injuries that occur while operating an uninsured vehicle.
The motion judge held that the ATV was excluded from Ontario’s mandatory insurance regime as it was a self-propelled implement of husbandry. The ONCA however reversed this decision and held that the ATV was NOT a self-propelled implement of husbandry.
The court arrived at this decision by reviewing Ontario insurance regime and its intended purpose. The court then referred to R v. Van Berlo where it was held that a vehicle must be ‘manufactured’ or ‘designed’ for a specific use in farming in order to be considered a self-propelled implement of husbandry. While the plaintiff exclusively used the ATV for farming, it could not be said that the ATV was ‘manufactured’ or ‘designed’ for a specific use in farming.
Most importantly, with respect to Ontario’s automobile insurance regime, the ONCA held that an ATV cannot be both an off-road vehicle requiring insurance and a self-propelled implement of husbandry excluded from the insurance regime. Moreover, reg. 893 explicitly provides that an ATV is an off-road vehicle and not a self-propelled implement of husbandry.
The Court of Appeal ultimately decided that the plaintiff’s claim was statute-barred by s.267.6(1) of the Insurance Act as he was uninsured, and his claim for statutory accident benefits was barred by s.30(1)(a) of the SABS.
ATV accidents and insurance
This is undoubtedly an important decision for insurers in Ontario. Now more than ever it would be prudent for farmers to obtain insurance for their ATVs. One question comes to mind: If Honda were to manufacture and design an ATV for a specific use in farming, could it be exempt from the Ontario’s mandatory vehicle insurance regime?
Boating Accident Ottawa Lawyer
Boating Accident Law in Ontario
It’s finally here…Summer and that means lots of time outside and for many lots of time on the water. What many people do not know is that when it comes to driving a boat, there are many similarities to driving a car. A boat is considered to be a motor vehicle and must follow the laws, regulations and rules such as being licensed and registered.
Did know that from 1991-2008, there were over 3,000 boating related deaths reported by the Canadian Red Cross, of which 86% were from recreational boating? In many ways, operating a boat is similar to driving a car. There are numerous laws, regulations and local rules covering such things as speed, right of way, lights and signals and collisions. As well, boats need to be registered and licensed. In order to be licensed to drive a boat in Ontario, drivers must learn the rules of the waterways and other boating safety information. Ontario boaters must pass a regulated boating exam. If successful, a Pleasure Craft Operator card is issued.
Boating Accidents and Injuries
Should you become injured in a boating accident, the Ontario ‘MARINE LIABILITY ACT’ provides a maximum of $1,000,000.00 in compensation from injuries resulting from a boat operated with negligence, depending on your injuries. Boating accidents are complicated as there are several sets of laws that come into play; there is both marine and the Ontario motor vehicle laws.
Boating Accidents and Compensation
There are differences when it comes to seeking compensation for injuries and damages. In Ontario, no fault benefits do not apply in a boating accident. People who suffer a personal injury in a boating accident are limited to seeking compensation against the at fault party. Our lawyers are familiar with boating laws and personal injury compensation when it comes to boating accidents and can help provide you with the best analysis of your boating accident and next steps.
We hope you are enjoying your summer and boating safely. Should you need any information that relates to Ontario laws that relate to boating accidents or compensation for injuries and damages resulting from a boating accident, our Ottawa personal injury lawyers are here to offer free consultations. We understand the nuances of the law and boating accidents and we can help. Contact any one of our lawyers and we would be happy to help provide you with the information you need.
Ottawa Cycling Accident Lawyer
Well it is officially summer . What a gorgeous day to be out on a bicycle and although Ottawa has many designated cycling paths, a cycling accident can happen anytime, any place. We thought this would be a great time to review a few cycling safety tips and ideas on how to keep you and your children safe while cycling.
The first tip is the most obvious: Always wear a helmet..that includes parents too. Although the law only requires cyclists under 18 to wear a helmet, it’s the right thing to do. Lead by example and show your children that yes, even adults need to protect themselves while cycling.
Replace a helmet if its is at all damaged or cracked. You might think it seems like just a small crack; however, a small crack on a helmet is enough to compromise the helmet and render it useless in a cycling accident.
Make sure the helmet fits properly. There is no point in wearing an ill-fitting helmet if it’s going to fall off in impact. The Ontario government promotes the “2-4-1 Helmet Salute” a proper fitting helmet is when 1) you can fit “2″ fingers between the helmet and the eyebrows, 2) helmet straps meet in a “V” shape below the ears (that’s 4 fingers) and lastly 3) one finger would fit between the chin strap and the chin.
If you wear a helmet properly, the helmet will absorb the force of the impact from hitting your head and spread that force throughout the helmet; which then reduces the impact on the brain. When the brain crashes , it moves throughout the fluid in the skull and hits the sides of the skull. Often times, an impact of this nature can leave a brain bruised, swollen or bleeding. The result can be a brain injury and many brain injuries are permanent and life altering.
Avoiding Ottawa Cycling Accidents
Ride the right size of bicycle. Yes, your child might be excited to move up to the next size of bicycle; however you need to make sure they are riding a bicycle with the correct frame size, seat height, frame length, and proper working brakes. A bicycle that is too big is difficult to control properly and can result in a bicycle accident.
Make yourself visible and heard. Ensure your bicycle has adequate lights, reflectors, bells, horns or reflective tape.
Before heading out, give your bicycle a once-over check. Check the ABCs…air, brakes, and chain.
Know and follow the rules of the road. Don’t forget, a bicycle is a vehicle and must follow the rules and laws just as a driver of a car would do. This includes leaving enough space between you and other drivers, riding one metre from the curb or from other parked cars, riding in a straight line on the right hand side of the road, obeying all traffic signs, using the proper hand signals , stopping at stop signs and red lights, stopping for buses, stopping for pedestrians at crosswalks etc..
Never, ever ride against traffic. Drivers simply aren’t aware of cyclists riding on the left side of the road.
Watch for road hazards such as puddles, potholes, loose gravel, loose pavement etc…
One of the most common cycling accidents we see as Ottawa personal injury lawyers are bicycle accidents involving right turning vehicles. Always stay behind a vehicle as you get close to the intersection and do not try to pass. Often times the result is that the cyclist gets pinched in and often pinned beneath the vehicle.
There are many valuable resources throughout the Ottawa community and throughout Ontario. for more information on cycling safety visit: City of Ottawa Cycling Safety, Service Ontario, Citizens for Cycling Safety, Kids CAN-BIKE, Ontario Cycling Association to name a few.
Ottawa Bicycle Accident Lawyers
If you have any questions that relate to cycling accidents and personal injury law, feel free to contact any of our Ottawa personal injury lawyers and we would be happen to provide you with the information you need.