Posts Tagged ‘Ontario insurance claims lawyers’

Ontario Accident Benefits Insurance Compensation. Which optional benefits should you purchase?

Ontario Accident Benefits Insurance Claims David Hollingsworth Personal Injury Lawyers.   The Ontario insurance regime is one of the most complicated insurance regimes in North America. When it comes to car insurance, you certainly don’t want to scrimp but you always don’t want to pay extra money if it’s not needed. Sadly, when it comes to choosing optional accident benefits, many people will automatically settle for basic coverage.  As an Ottawa personal injury lawyer, I can tell you, this may be a huge mistake.

Now, the truth is hopefully you will never need to access your accident benefits .  Great !  If you do however get injured in an accident, you may find yourself unable to work, injured, in a home that needs modifications and that’s when you want to make sure you have access to as much accident benefits compensation as possible.

Sadly, most people don’t really know what their accident benefits insurance coverage is until they really need it.  A basic auto insurance policy in Ontario contains far less accident benefits coverage than a policy where the “top-ups” have been purchased.  Along with this decrease in benefits comes a decrease in yearly premium payments.  Many will opt for this.   I would caution you not to. I urge everyone to speak with their broker and find out what optional benefits are available to you and at what cost.

For instance the  Medical and  Rehabilitation Benefits jump from $100,000 to $50,000 or possible even $ 3,500 if you have purchased the optional benefit.  If you purchase additional accident benefits, you can be entitled to  Housekeeping Benefits and Caregiver Benefits , which have been eliminated in the basic policy. A Attendant Care Benefits are another optional benefits that can be purchased and allow you to have access to $72,000 instead of  $36,000.

You may have access to additional accident benefits through your work and in this case may not require purchasing additional accident benefits.  It’s important to know what options you have and choose what’s best for you and your family.  Another important piece of information you need to know is that if you have more than one vehicle, you only need to purchase these additional accident benefits for one vehicle only.  In my opinion, the top up amounts are well worth it.  An average vehicle can purchase most additional accident benefits for under $200 a year.  That $200 a year translates to a significant amount of money if you need, when you really need it.

I cannot tell you how many personal injury cases I have settled where people have given additional much need funds and they are so thankful that they purchased those additional accident benefits. Talk to your broker about what options you have and what accident benefits are available to you. To read about some of the accident benefits settlement amounts we’ve secured for our clients visit

–David Hollingsworth Personal Injury Lawyers. Since 1999, our  personal injury lawyers have been  helping people who have been injured or lost a loved one. We devote ourselves to helping people through the most difficult days of their lives by being there for them and their families. We can help by offering free consultations and traveling to you wherever you are most comfortable meeting: home, our office,  hospital , rehabilitation centre etc. Visit or call (613) 978-9549   or   (613) 237-4922 ext.203 . Email us at    We understand, we care and we’re here to help and our track record proves it.

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Kemptville accident sends two to Ottawa hospital with personal injuries.

Ontario Accident Lawyers David Hollingsworth and Associates.   A Kemptville accident has left several people with personal injuries following a 2 car accident on Wednesday.   An SUV and a pickup truck smashed into each other close to County Road 44 and Beach Road just outside  of Kemptville, Ontario. Shelby Cooper from Ottawa was one of the accident victims who brought to a Ottawa hospital and suffered a broken wrist. Megan Wheatley, from Kemptville, who riding with Shelby and suffered a severe concussion. She too was rushed to a Ottawa hospital for treatment.

The driver of the pickup truck was a 53-year-old male from Consecon Ontario, which is close to Trenton. Thankfully, he was uninjured.

Police are investigating the accident. If you have any information that could help, please contact your local police.

Ontario Car Accident Lawyers David Hollingsworth and Associates . We are injury lawyers that are devoted to ensuring our clients get it all : the help, support and maximum compensation following an accident Ontario accident. Visit for more information relating to Ottawa accidents,  insurance claims in Ontario , personal injury or events in our community. Email or call (613) 978-9549

Kemptville accident county road 44

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David Hollingsworth: Thanks you for your referrals. We really appreciate them.

Ottawa Injury Lawyers David Hollingsworth and Associates. We wanted to thank you so much for all the kind words and referrals you have been sending us lately. It really means a lot to us that you trust us with your friends and family. We are dedicated Ottawa Ontario injury lawyers who pride ourselves on helping people who have been in an accident and are hurt.  We know that we are meeting most people for the first time, very shortly after their accident and that they are not themselves.  Not only are they in pain, they are confused, scared, angry and don’t know where to start in terms of rebuilding their life after and accident. We are humans and we understand all of these feelings and emotions.

Since 1999, we have helped thousands of people get their lives back on track and we are proud of the way our clients have done so. We often hear from past clients who flip us a note or a quick call, letting us know how they are doing. Often times, we have clients who are speaking highly of us to others. We really appreciate that our clients are referring us to others.  Not only do we want to help others, we love the fact that you have trusted us again. So, thank you. We really appreciate it.

David Hollingsworth has been a top Ottawa Ontario personal injury lawyer for close to 15 years.  He has built an incredible team of highly skilled injury lawyers and accident benefits specialists. We are happy to meet with you , or any family member to discuss possible options for you.  We understand that it isn’t easy dealing with an insurance company and knowing which accident benefits to access.  We can help you with all of that. We can alleviate you of some of your immediate stress and help you figure out how to rebuild.

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Visit our site for more information relating to Ottawa accidents, Ontario insurance , personal injury or events in our community. Feel free to contact us at or call (613) 978-9549.

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Do you need help with Ontario accident benefit insurance claims forms?

Ontario Insurance Claims Lawyers David Hollingsworth and Associates. I am often asked to help fill out Ontario accident benefit forms. This is a task that Ido every day and I know exactly how to fill them out so that there is no room for ambiguity. I don’t want to scare anyone off filling them out themselves but the truth is , they absolutely need to be filled out in detail and correctly.  Unfortunately Ontario accident victims can’t miss giving pertinent information or the insurance company can use that against them when it comes time to settling their case.  Is this fair? Absolutely not but it does happen. That is why I feel strongly about guiding my clients through this process. It is worth me taking the extra time to help at the very beginning and I am happy to do so.  The Ontario Accident Benefit Forms are detailed, complicated and there are many of them that need to be filled out in a timely manner. Not to mention that you or a family member has just been in an accident and filling out forms is the last thing on your mind.  I can tell you first hand that people come to me to tell me their story and get some advice.  As soon as I help them with their forms, it is like a weight has been lifted and they are able to catch their breath. I know the stress associated with an accident and I, along with my team of Ottawa personal injury lawyers, accident benefit specialists and personal injury law clerks are dedicated to not only getting maximum compensation for our clients, we want to help them rebuild their lives after an accident.  It’s important to us. The following is a list of some of the Ontario Accident Benefits forms you may need help with:

OCF-1: Application for Accident Benefits

OCF-2: Employer’s Confirmation Form  

 OCF-3: Disability Certificate 

 OCF-4: Death and Funeral Benefits Application ​

 OCF-5: Permission to Disclose Health Information  

OCF-6: Expenses Claim Form ​​ 

​OCF-10: Election of Income Replacement, Non-Earner or Caregiver Benefits

 OCF-18: Treatment and Assessment Plan

OCF-19: Application for Determination of Catastrophic Impairment

OCF-21: Auto Insurance Standard Invoice 

 OCF-23: Treatment Confirmation Form

 OCF-24: Minor Injury Treatment Discharge Report 

Ontario Insurance Claims Lawyers David Hollingsworth and Associates.  David Hollingsworth has been an Ottawa injury lawyer since 1999 and has built a team of dedicated Ottawa  injury lawyers. As dedicated Ottawa personal injury lawyers, they serve  all Ontario accident victims with personal injury and their insurance claims. has much more information that relates to personal injury.

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Ontario Accident Benefits Insurance Claims Forms, OCF forms


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Ottawa accident highway 416 and Fallowfield sends one to hospital with severe head injury.

Ottawa Personal Injury Lawyers David Hollingsworth and Associates…An Ottawa accident early this morning on highway 416, close to  Fallowfield, has resulted in  a young 19-year-old woman being rushed to hospital. Ottawa rescue crews arrived at the Ottawa accident scene at approximately 12:30 am and found the driver alone in the car with serious head injuries.Thankfully, they were able to remove her from the vehicle and rushed to the hospital , where she remains in stable condition. My thoughts are with her and her family at this very difficult time.

-My Ottawa personal injury team is experienced and dedicated Ottawa personal injury lawyers who specialize in Ontario personal injury, accidents and insurance claims.  Since 1999, we have built one of the top Ottawa personal injury lawyers teams.   If you have any questions, please contact us with any question/consultations at (613) 978-9549 or email at or visit our website at

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David Hollingsworth- We understand, we care and we are here to help .

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Ottawa Personal Injury Lawyer David Hollingsworth: Have a personal injury question? I’d be happy to answer…

Ottawa Personal Injury Lawyers David Hollingsworth and Associates… Good morning…I wanted to remind everyone that I am available to answer any questions you may have that relate to personal injury or accident insurance claims in Ontario.  There’s a good chance that if you have a question, so does someone else and I’ve answered it before.  I have been practicing personal injury law in Ontario since 1999 and have a wealth of experience to share.  Please feel free to email me at or call 613-978-9549.  There is no question that relates to personal injury that you can’t ask and I’d be happy to offer you any advice I can.  Often times, a simple email is all people need to make informed decisions about major decisions in their lives. It’s always best to get an informed opinion.  I understand that these decisions are not easy to make, so let me steer  you in the right direction.  It’s free, fast and can help give you piece of mind. If you don’t feel uncomfortable talking about your situation, you can also have a friend or family member contact me.  I really,truly want to help.  I hope to hear from any of you who may just need a little advice.

Ottawa Personal Injury Lawyer David Hollingsworth and Associates.  David Hollingsworth has been an Ottawa injury lawyer since 1999 and has been built a team of dedicated Ontario injury lawyers. As dedicated Ottawa personal injury lawyers, they serve  all Ontario accident victims with personal injury and those who have lost a loved one from an Ontario  accident. This report talks about eastern Ontario accidents such as Ottawa area accidents, personal injury, safety,  insurance in Ontario,  and events or news that relate to Ottawa .  Our website has much more information that relates to personal injury.

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Ottawa injury lawyer: Ottawa bicycle accident Wurtemburg and Rideau results in personal injury.

Injury Lawyers Ottawa Ontario David Hollingsworth and Associates…Regrettably, an Ottawa cyclist was hit yesterday morning by a vehicle at the intersection of Wurtemburg Street and Rideau.  Ottawa Police were able to treat the female cyclist at the Ottawa accident scene but the extent of her injuries was not known at the time of the accident. Ottawa Police are investigating the accident and what may have caused it.

-Welcome to the  Ottawa Injury lawyer report. This report is written regularly by Ottawa Injury Lawyer David Hollingsworth.  Our Ottawa Injury Lawyer Blog reports on  eastern Ontario accidents, personal injury, Ontario accident benefits, insurance in Ontario,  news in Ottawa and events and  news that relates to Ottawa, accidents and personal injury . Visit for more information. 

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Belleville Ontario Accident results in death of crossing guard Norman Cole.

Ontario Injury Lawyer David Hollingsworth…Belleville Ontario police need our help and are looking for any witnesses who may have information about an accident where a crossing guard was struck and died   on Friday. Sadly, 71 year old Norman Cole was hit by a vehicle at the intersection of Sidney Street and Leland Drive, west of downtown Belleville. The injuries were so severe, he later died of his personal injuries. If you have any information that could help Belleville Police, please call 613-966-0882 extension 2200.

—-The Ontario Injury Lawyer Blog is written regularly by Ottawa Ontario personal injury lawyer David Hollingsworth. The Ontario Injury Lawyer Blog reports on accidents in eastern Ontario, personal injury issues, local Ottawa news and events and various news that relates to Ottawa, accidents and personal injury. Visit for more information.

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Belleville Ontario Accident, Accident Crossing Guard Norman Cole, Ontario Personal Injury Lawyers

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Ottawa Personal Injury Lawyer David Hollingsworth:What are income replacement benefits ( IRB ) ?

Ottawa Personal Injury Lawyer David Hollingsworth, Ontario Injury Lawyers, Income Replacement Benefits..Often times  after suffering a personal injury in a  motor vehicle accident you may not be able to return to work right away. You also may not be able to provide for yourself and your family. Depending on the severity of your personal injuries, you may not be able to work for a few days, maybe a few months or perhaps even longer.  This is very stressful and this is where income replacement benefits comes in.

What are Income Replacement Benefits?

Income Replacement benefits are available to Ontario personal injury victims who were employed or self employed at the time of the motor vehicle accident in Ontario  and who, as a result of the personal injuries sustained in the Ontario accident, “suffer a substantial inability to perform the essential tasks of their employment”. This is the definition that applies for the first 2 years following a car accident in Ontario. 

Following 2 years after an Ontario accident, it changes and becomes much more difficult to qualify for income replacement benefits. To continue to qualify for income replacement benefits, Ontario accident victims must  have “a complete inability to engage in any employment or self-employment for which they are reasonably suited by education, training or experience.”

How much do Ontario accident victims get for Income Replacement Benefits?

The amount of income replacement benefits received depends on a number of different factors such as one’s income before the accident.  As well as whether or not you opted to purchase additional accident benefits.

  • For motor vehicle accidents occurring after September 1, 2010, the amount of the weekly income replacement benefits is based on 70% of your gross weekly income before the accident, subject to the maximum amounts.
  • Under the standard accident benefits limits, the maximum weekly amount payable for the first 2 years following the accident in Ontario is $400 per week
  • No income replacement benefits are payable in the first 7 days following an Ontario accident
  • Optional accident benefits limits increase the maximum weekly amount to $600, $800 or $1,000 per week 

How to apply for income replacement benefits…

In order to receive income replacement benefits,  Ontario accident victims  need to submit a completed 

  • Application for Accident Benefits.
    •  OCF-10  Election of Income Replacement, Non-Earner or Caregiver Benefit
    • OCF-3 Disability Certificate
    • OCF-2 Employer’s Confirmation

    If you have been involved in an Ontario car accident and are unable to work, you most likely qualify for income replacement benefits. It is important that before you fill out the associated accident benefits forms that you contact an experienced Ontario personal injury lawyer .  The best Ontario personal injury lawyers not only will help you fill out these forms, they will ensure that it is done in a manner that  gets you maximum benefits support.


    The  Ottawa Injury Blog is written regularly by Ottawa Ontario injury lawyer David Hollingsworth. Since 1999, David has been an Ontario personal injury lawyer representing Ontario accident victims who have suffered a personal  injury and the families of accident victims who have lost a loved one in an Ontario accident. This blog reports on accidents in eastern Ontario, personal injury issues, local Ottawa news and events and various news that relates to Ottawa, accidents and personal injury.  Visit for more information. If you have a question, feel free to call or email  (613) 978-9549 

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    Ontario Personal Injury Lawyer David Hollingsworth, Income Replacement Benefits, Ontario Accident Benefits

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    Ontario Injury Lawyer David Hollingsworth: Stages of an Ontario personal injury lawsuit.

    Ottawa Personal Injury Lawyers, Ontario Accident Benefits, Ontario Personal Injury Lawsuits

    Stages of an Ontario personal injury lawsuit..

    After an accident, your world is turned upside down.  You may have lost a loved one or you may be in pain and unable to do some everyday tasks you once could. You probably have a million questions that need to be answered.  An Ontario personal injury lawyer can help answer any questions you may have that relate to Ontario accidents, personal injury, accident benefits, insurance claims, medical specialists, services available and more…Most people who come to me as an Ontario personal injury lawyer want to know how their case will proceed , how long it will take and what is the maximum compensation they are entitled to in Ontario.

    There is no one answer to these questions but after reviewing all the facts in your case, an Ontario personal injury lawyer can best give you an idea of what course to take and what compensation you are entitled to.

    What happened in an Ontario personal injury lawsuit?

    Shortly after you hire an Ontario personal injury lawyer, they will  notify the defendant (i.e. the person’s insurance company who you plan to sue) that you intend to file a claim. Typically the  insurance company will try to negotiate directly with you and hope that an Ontario personal injury lawyer does not become involved.  The reason for this is that typically Ontario personal injury lawyers can negotiate  a much much larger settlement amount in compensation.  They know how to develop a personal injury case to show not only what compensation  you need now but what compensation you will need in 20 years from now as the result of an accident.    If the insurance company does not offer you a reasonable amount  your Ontario personal injury lawyer will commence the lawsuit.  This is done by filing a document called a “Statement of Claim” with the Court office and then serving the defendant with the Statement of Claim.  The insurance company generally have their  own lawyers and will in turn file a “Statement of Defence”.

    The Ontario personal injury lawyer and the representative for the insurance company then exchange documents and proceed to “examinations for discovery”.  At the examinations for discovery, each side is asked questions about the accident by the other party’s lawyer.

    The best Ontario personal injury lawyers will  arrange medical examinations for you.  The insurance company is also entitled to have you seen by medical professionals it chooses, although there are limits on this right. This is not something you should be afraid of; don’t worry.

    Your Ontario personal injury lawyer and the insurance company can offer settlement compensation at any point and your Ontario personal injury case can be resolved at any given moment.  A lot of Ontario lawsuits are settled at a “mediation”.  A mediation in Ontario is an attempt to settle the case.  The Ontario personal injury lawyer and the insurance company agree upon  the mediator they want to reach a settlement amount in their personal injury case.  A few months before trial, there will also be a “pre-trial” meeting .  The pre-trial  meeting is a venue  whereby an Ontario judge can offer input to the Ontario personal injury lawyer, as well as the lawyer for the insurance company. Typically the Ontario judge will offer their opinions in regards to the strengths and weaknesses of the case.  Often times, cases settle at, or shortly after, the pre-trial meeting. Most Ontario personal injury lawsuits are settled before trial.  However, some lawsuit do not settle and  you will be given a trial date.  The unsuccessful party at trial can appeal the trial decision to the Court of Appeal for Ontario.

    How long does a personal injury lawsuit in Ontario take to resolve?

    The length of time it takes to resolve an Ontario personal injury lawsuit depends on many factors:

    * How quickly you respond to your Ontario personal injury lawyer’s requests for information and documents;
    * If the insurance company is cooperative;
    * How long it takes for your doctors to provide a report as to what the long term implications of your personal injuries will be;
    * How much time it takes to prepare and receive reports from doctors, other health professionals and other institutions;
    * How long it takes for the defence lawyer to arrange various defence medical examinations: and
    * How long it takes to obtain a trial date in Ontario.  The sooner you commence your lawsuit, the better.

    The most important thing you need to do after an accident is recover and rebuild.  You will need help and support. Ask for help from friends and family.  They are for you.  Don’t worry about your Ontario personal injury lawsuit. Your Ontario personal injury lawyer will do that for you.  They will represent you and fight on your behalf to ensure that you get everything you need and are entitled to. These are some of the most difficult and stressful times of your life; focus on yourself, family , friends and recovery.  By hiring one of the best Ontario personal injury lawyers, you can concentrate on your recovery.

    “I have rarely met with a client who is receiving the full amount of accident benefits that he or she needs and that he or she is entitled to following an accident in Ontario, without the help of a top Ontario personal injury lawyer. If you suffering from a personal injury or lost a loved one in a car accident, you owe it to yourself and to your loved ones to get every benefit to which you are entitled, so that you can get back to being the person you were before the Ontario accident. That’s what Ontario insurance is for. Don’t sell yourself or your family short. Let me help you…
                                                                                                                             -Ontario Injury Lawyer, David Hollingsworth

    Ontario Accident Lawyer David Hollingsworth has been helping Ottawa and Ontario accident victims since 1999. With his extensive experience and knowledge of relevant accident and personal injury issues, he has recovered millions of dollars in settlements  on behalf of his spinal cord injury clients. David has the experience and skill to help obtain maximum compensation. David offers free consultations and makes  home visits or hospital visits. Visit for more information. David understands, he cares and he is here to help.

    mobile   (613) 978-9549      (613) 237-4922 ext.203

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    Ontario Injury Lawyer David Hollingsworth, Ottawa Accident Lawyers, Personal Injury Insurance Claims

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