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.

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 http://www.ottawainjury.ca/cases


Kemptville accident sends two to Ottawa hospital with personal injuries.

Kemptville Accident results in concussion and a broken wrist

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 was riding with Shelby Cooper and suffered a severe concussion. She too was rushed to an 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 Kemptville accident on County road 44. If you have any information that could help, please contact the Kemptville  police.

A concussion from a car accident is not an injury to take lightly.  We have some personal injury clients who still suffer from a concussion 2,3 and 4 years after their accident.  It’s imperative that people who injure themselves in a car accident be properly medically diagnosed and treated for their injuries. It can be difficult to pinpoint a dollar amount for a compensation injury as every concussion injury is different and needs to be not only treated but compensated for on an individual basis. If you or a loved one has suffered a concussion injury, you need help.  Contact an experienced personal injury lawyer to help you navigate your best approach and get you the help and support you need for a concussion injury.

 


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

Insurance Claims Lawyers

I am often asked to help fill out Ontario accident benefit forms. This is a task that our accident benefits specialists do 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 us taking the extra time to help at the very beginning and our lawyers and accident benefit specialists are  happy to do so.

The Ontario Accident Benefit Forms ; otherwise know as OCF 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

Let our personal injury lawyers and accident benefit specialists help you with your OCF forms and accident benefits package. We do this for free !


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 david@ottawainjury.ca or visit our website at www.ottawainjury.ca

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

Ottawa Bicycle Accident Lawyer

Accident Lawyers in Ottawa Ontario David Hollingsworth and Associates…

Regrettably, an Ottawa cyclist was on her bicycle 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.

There are far too many cyclist injured in Ottawa every year. Ottawa has very  busy streets and our cyclists and pedestrians are a big part of our busy streets. Typically, when a cyclists and cars collide, the cyclist loses and suffers very serious injuries.  Regardless of who is at fault, cyclists will typically  be entitled to compensation from the driver’s insurance company.

There are many legal options to explore after a bicycle accident. There are the immediate expenses to cover, as well as medical and rehabilitative support and then there is financial compensation moving forward. Our Ottawa personal injury lawyers have over 25 years experience protecting Ottawa cyclists and ensuring they are well taken care of and on the best road to recovery following a bicycle accident in Ottawa.

Bicycle Accidents and Injuries

Cyclists involved in a cycling accident with a car or truck typically suffer any number of severe injuries, including orthopaedic injuries, broken bones and head injuries and spinal injuries. Unfortunately, in these accidents , a helmet is not enough protection. Our personal injury lawyers are highly experienced in cycling accidents and can hire expert accident reconstruction experts to reconstruct cycling accidents and prepare engineering reports to show the impact of a cycling accident.

Typically, there is more obligation on a motorists to avoid a cycling accident and there is a reverse onus of proof on the driver. In other words, this means that in a cycling accident a driver must prove that they were NOT at fault. Our bicycle accident lawyers are also experienced in preparing for this.

Cycling accident and free consultations with our personal injury lawyers

Regardless of whether or not you plan on starting a personal injury lawsuit after a cycling accident, It is always best you inform yourself of your legal rights in the even that you may need compensation or support down the road. Some injuries do not show up immediately and months later, cyclists find themselves living in chronic pain.

Our Ottawa Bicycle Accident Lawyers will travel to you and sit down with you and walk you through all your legal options so that you can make the best possible decision following your accident.


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  www.ottawainjury.ca for more information.

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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.

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    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 www.ottawainjury.ca for more information. If you have a question, feel free to call or email david@ottawainjury.ca  (613) 978-9549 

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


    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 happens in an Ontario personal injury lawsuit?

    Step 1:  

    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.

     

    Step 2:

    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.

     

    Step 3:

    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.

     

    Step 4:

    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.

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    Visit www.ottawainjury.ca for more information. David understands, he cares and he is here to help.

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

     


    Ottawa police looking for information : Kanata accident Carp Road

    Ottawa Injury Lawyer, Ontario Accident Lawyer David Hollingsworth -Defensive driving helped  Kyla Helpin . She says she’s lucky to be alive after a rock from a passing truck smashed her windshield, just a few km from the spot where a similar Ottawa accident recently killed an Ottawa man. Helpin was driving north on Carp Road Friday near the intersection at McGee Side Road when the accident happened and the rock bounced off her windshield. Fortunately, she did not panic and kept control of her car or the situation could have been much worse. 

    Sadly, the Ottawa accident occurred close the spot where Jason Birch, a father of two, was killed 5 months ago, also on Carp Road, after a large boulder came through his windshield. Investigators  were unable to determine whether the rock had fallen from a passing truck or been kicked up from the road.

    There are several quarries and construction companies in the Kanata area, trucks are common on Carp Road, which makes it hard to identify any particular truck in this accident. Ottawa Police are asking anyone with information concerning this Ottawa accident to contact the Collisions Investigations department at 613-236-1222, ext. 2481.

    About Ottawa Ontario Injury Lawyer David Hollingsworth———————————————————————————— David Hollingsworth has been an Ottawa Ontario  injury lawyer specializing in personal  injury representing Ontario accident victims since 1999. David practices with an established Ottawa law firm of more than 100 years of collective experience in representing accident victims, and helping personal injury accident victims get the compensation they need at an incredibly difficult time in their lives.  David offers free consultations, takes cases on contingency and travels to  homes or hospitals. Visit www.ottawainjury.ca for more information. If you have a question, feel free to email david@ottawainjury.ca

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

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    Insurance Claims Lawyer – Accident Benefits and the Motor Vehicle Accident Claims Fund.

    Ottawa Insurance Claims Lawyer  – Ottawa Accident Lawyer – Ottawa Accident Benefits David Hollingsworth    -  I often get calls asking me what to do if there is no insurance available to accident victims…

    The Motor Vehicle Accident Claims Fund: No Insurance…

    The Motor Vehicle Accident Claims Fund (MVACF) is seen as  a last resort as it can sometimes provide financial compensation to Ottawa accident victims and Ontario accident victims with personal injury from car accidents when they do not have  automobile insurance and therefore no insurance policy or compensation.
    The Motor Vehicle Accident Claims Fund aims to do the following:
    • to provide statutory accident benefits directly to those with personal injury involved in an automobile accident, who have no access to automobile insurance;
    • to provide financial compensation for personal injury or property damage to victims involved in an automobile accident with an uninsured or unidentified driver or a stolen vehicle when no liability insurance exists; and
    • to recover from the owners and drivers of uninsured vehicles monies paid out on their behalf, where legally permissible.

    If you been involved in an Ottawa or Ontario car accident and do not have motor vehicle  insurance,  or if you been in an Ottawa accident  or Ontario accident and other party  does not have insurance, you may still have recourse.  There are benefits available to you.  I have successfully obtained significant settlements for my clients with personal injury from the Motor Vehicle Accident Claims Fund. I helped them and I can help you.  Visit www.ottawainjury.ca for more information or call 613 978-9549.