Posts Tagged ‘ottawa insurance claims lawyer’
Ontario Accident Benefits: Definition Minor Injury Guidelines, Ottawa lawyer David Hollingsworth
Ontario Minor Injury Guidelines. Insurance Claims. Ottawa Personal Injury Lawyer David Hollingsworth…Have you recently been involved in an Ontario car accident and your insurance company has told you that your injury is classified as a “minor injury”? Unfortunately that means you will only receive $3500 in medical rehabilitation benefits available, regardless of whether or not you opted to pay for enhanced Ontario accident benefits. Insurance companies have also determined that a minor injury does not qualify for housekeeping benefits or attendant care benefits. This causes a lot of problems for many Ontario accident victims, who require these benefits. Not everyone is seriously injured in an accident , so the minor injury guidelines are acceptable to them. What’s really becoming a crisis situation in the vast majority of people who suffer serious injury in an accident and accept what their insurance company gives them in limited accident benefits, leaving them without enough support and benefits , which generally results in them not recovering. The Minor Injury Guidelines typically includes the following personal injuries resulting from an Ontario motor vehicle accident:
- Sprains
- Tears/ partial tears
- Strains
- Whiplash (unless there are neurological symptoms)
- Cuts, contusions, and abrasions
- Subluxations (unless it is a complete dislocation of a joint)
———————- The Ottawa Injury Blog is written regularly by Ottawa personal injury lawyer David Hollingsworth. Since 1999, David has been an Ottawa personal injury lawyer representing Ontario accident victims 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
Ontario Accident Benefits, Definition Minor Injury Guidelines, Ontario Injury Lawyer David Hollingsworth
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Ottawa Car Accident Lawyer David Hollingsworth on Ottawa car accident statistics.
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Ottawa Car Accidents, Ottawa Injury and Accidents, safety, wrongful death on December 4th, 2011
———————- The Ottawa Injury Blog is written regularly by Ottawa personal injury lawyer David Hollingsworth. Since 1999, David has been an Ottawa personal injury lawyer representing Ottawa accident victims and the families of accident victims who have lost a loved one in an Ontario accident, including snowmobile accidents. 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
Ottawa personal injury lawyers David Hollingsworth, Ottawa accident statistics
New Ontario Auto Insurance : Changes Accident Benefits : SABS
Ontario Insurance Claims Lawyer : Ontario Accident Benefits Lawyer shares of Ontario’s auto insurance regulations changes to SABS . Ottawa Personal Injury Lawyer David Hollingsworth.
Ontario drivers take note: The new Ontario auto insurance regulations will take effect Sept. 1, 2010. The changes include major reductions to accident benefits available in non-catastrophic injury cases along with other significant changes.
The Ontario Minister of Finance has announced changes to Ontario automobile insurance designed to avoid premium increases by stripping down the basic auto insurance coverage.
The changes provide consumers with options to buy additional accident benefit packages at additional cost. The question is how many will? Most likely most car owners will opt for reduced basic auto insurance coverage which means many seriously injured accident victims end up with access to less insurance protection. Equally as disturbing, are those without access to their own automobile insurance policy will only be eligible for a very reduced basic auto insurance coverage.
Some insurers will experience a drop in insurance rates but it will be infortunately at the expense of the seriously (but not catastrophically) injured Ontario accident victims and those looking to fully protect themselves in an accident and are willing to pay a higher insurance premium.
What these changes mean for the people of Ontario…
The changes include a new Statutory Accident Benefits Schedule (SABS) that now has a cap on medical/rehabilitation and assessment/examination expenses for minor injury at $3500.
New Minor Injury ( a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and any clinically associated sequelae) Guideline for Ontario accidents.
Standard medical and rehabilitation coverage for non-catastrophic claims of $50,000, with optional coverage of $100,000 or $1.1 million.
Standard attendant care coverage for non-catastrophic claims of $36,000, with optional coverage of either $72,000 or $1.072 million. For non-catastrophic claimants, insurers will supply optional caregiver, housekeeping and home maintenance benefits.
Payment for all in-home assessments are capped at $2000 and will be available only to those claimants who have sustained more than a minor injury.
Rebuttal examinations and approval forms will be eliminated.
Several procedures will be simplified and merged (ex: treatment plans and applications for approval of assessments or examinations will now be merged into one process).
Adjusters will have discretion in the use of insurer examinations.
The new SABS also contains a definition for “incurred expense”.
David Hollingsworth has been an Ottawa Personal Injury Lawyer since 1999 dedicated to helping Ontario accident victims. For more information on how these changes affect you, visit www.ottawainjury.ca or call for free consultation 613 978-9549.
Ottawa Personal Injury Lawyer -Ottawa Insurance Claims Lawyer
Ottawa Personal Injury Lawyer David Hollingsworth understands that an Ontario personal injury lawsuit can be intimidating and sometimes overwhelming . It’s hard to know where to start and that’s where the best Ottawa personal injury lawyers come in. At www.ottawainjury.ca, we understand, we care and we’re there to help. David Hollingsworth and his Ottawa personal injury team are dedicated to alleviating your stress, by representing you and allowing you to focus on your recovery. David Hollingsworth has been specializing in Ottawa personal injury since 1999 and has earned the reputation as an honest, dedicated, hard working, aggressive , and one of the best Ottawa personal injury lawyers. If you have questions regarding your Ontario personal injury case, call us to arrange a free consultation at 613-978-9549 or visit www.ottawainjury.ca.
Where an Ontario Personal Injury Lawyer can help…
Most Ontario accident victims are unaware of their rights and settle with the insurance company and take what is offered to them without any knowedge of their future medical expenditures or losses. Unfortunately, often times the insurance company is looking for the cheapest way to settle a case and not looking out for the best interest of the Ontario accident victim and their family. Often times the illness or effects arising from a personal injury accident are not known until long after the Ontario accident has occurred. Without the help of an Ottawa Personal Injury Lawyer, such as David Hollingsworth, Ontario accident victims often struggle to obtain enough compensation to take them throughout their lives.
An Ottawa personal injury lawyer can help you determine what you may be entitled to. As one of the top Ottawa personal injury lawyers, David is able to refer to cases similar to the accident victims and determine the realistic maximum amount to fight for. Your Ottawa personal injury lawyer can also help order medical reports, set up specialists visits and ensure you receive maximum compensation.
The extent of your personal injury varies from a car accident, a bicycle accident, a pedestrian accident, slip and trip fall accident, snowmobile accident , sexual abuse, or any kind of accident that causes you serious personal injury. A highly experienced Ottawa personal injury lawyer will be the one to help you receive the compensation and support you need and are entitled to. You pay your monthly insurance premiums for a reason ..you need compensation and are entitled to it!
Similarly, if you are looking for a personal injury lawyer in London, UK. There are experienced lawyers who offfer professional service and legal advice for compensation claims regarding road accidents. Visit www.adamspersonalinjury.co.uk to make a personal injury claim.
David Hollingsworth has been an Ottawa personal injury lawyer specializing in helping Ontario accidents victims get the help they need. Visit www.ottawainjury.ca for more information or call 613 978-9549.
Ottawa river accident results in death – Accident Benefits -Ottawa Insurance Claims Lawyer
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Accident Benefits Insurance Claims, Ottawa Injury and Accidents, wrongful death on February 23rd, 2010
Ottawa Accidents Lawyer- Ottawa Personal Injury Lawyer shares..I’m so sorry for everyone involved in this tragic Ottawa accident. To the friends and family of Rachel Taylor, I’m so sorry for your loss…
-David Hollingsworth, Ottawa Personal Injury Lawyer
Ottawa police and Ottawa paramedics retrieved the body of Rachel Taylor from the Ottawa River near Aylmer Island on Monday afternoon. Rachel Taylor had been missing and submerged in the Ottawa river since Sunday afternoon when the truck in which she was a passenger plunged through the Ottawa River ice. Lee Bourdon, her boyfriend was with her at the time of the accident on the Ottawa River the day before. Lee Bourdon and Rachel Taylor, were returning from Aylmer Island in the middle of the river when suddenly the Ottawa ice under them cracked. Lee Bourdon, managed to escape the sinking truck, and was trying to free his trapped girlfriend, but sadly wasn’t successful. Family and friends of Rachel Taylor gathered together on shore, as rescue workers retrieved her body. “Thank God,” said family friend, Dave Inglis. Earlier in the day, he said he hoped for the family’s sake that the divers could find Taylor’s body. “It’s horrible. (Bourdon is) broken. He blames himself, but he couldn’t do anything,” said Inglis. “It’s a memory you’re going to hang onto for the rest of your life.”
Taylor’s mother died 20 years ago and she was the oldest of 3 children who took care on her younger siblings, who have now lost the only female presence in their lives,”
Jason Meranger, of Aylmer helped police across the ice. On Sunday, he heard that a truck had gone through the ice and he marked off the area where the vehicle went through the ice. That was not the first time Jason Meranger had helped those in need that day. He also helped a man pull his 4-wheeler out of the water in Luskville. “We were sitting around thinking people should do something about this because someone is going to die,”“Sure enough, here we are. You have to have tragedy before we get ourselves in gear.”
Losing a loved one in an untimely death is a heartbreaking event. No amount can be placed on the value of a human life. In the event of a wrongful death, there is financial support for grieving family members. Through the insurance plan, Accident Benefits are given to the grieving family members to cover such things as funeral expenses, hospital bills, surviving family economic losses, losses for time off work and other related expenses. David Hollingsworth and his personal injury team work hard to get the maximum compensation. At a time when you are grieving, you need the help of a personal injury lawyer to be working for you. You’ve been through enough, now let Ottawa Personal Injury Lawyer David Hollingsworth and his Ottawa personal injury team help you. At this difficult time, David will come to you if that is more convenient. David travels throughout eastern Ontario. ….visit www.ottawainjury.ca or call 613 978-9549 for free consultations…
Ottawa Personal Injury Lawyer – car accidents, slip and fall accidents.
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Accident Benefits Insurance Claims, Ottawa Car Accidents, Ottawa Injury and Accidents, Ottawa Resources on February 22nd, 2010
Are you suffering from a personal injury and have been in an Ottawa motor vehicle accident , Ontario car accident or Ottawa slip and fall accident ? Let our personal injury team and lawyer David Hollingsworth fight on your behalf so you can move on with your life with your family and loved ones. Our team practices exclusively in Ottawa and Ontario personal injury law.
Ottawa personal injury lawyer David Hollingsworth offers free consultations, so feel free to contact him about your need for an Ottawa personal injury lawyer or Eastern Ontario personal injury lawyer and get a free evaluation of your case, or simply have some questions answered. You have been through enough, now let David Hollingsworth, Ottawa personal injury lawyer help. Visit www.ottawainjury.ca or call 613 978-9549 or 613 237-4922 ext 203
Insurance Claims Lawyer – Accident Benefits and the Motor Vehicle Accident Claims Fund.
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Accident Benefits Insurance Claims, Ottawa Resources, Personal Injury Claims on February 21st, 2010
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…
- 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.
Ottawa Paraplegia : Richard Perrin’s story..
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Ottawa Injury and Accidents, Ottawa Spinal Cord Injury on February 19th, 2010
Ottawa Personal Injury Lawyer David Hollingsworth -Ottawa Accident Lawyers.. I had the pleasure of speaking with Richard and thought I would share this article from the Otawa citizen with you….I wish him and his wife Maureen continued success in their recovery.
Ottawa resident, Richard Perrin was in an Ottawa accident. He was thrown off a motorcycle at 160 km/h. ‘I came out on thewrong side of the risk-reward equation,’ he says of the accident that left him with a serious personal injury, he was paralyzed from the ribcage down. ‘I knew the risks. … I wasn’t asking, Why me”
Richard Perrin’s obsession started one decade ago with a TV add that pictured a gleaming motorcycle power-sliding across the desert sand. “Only one custom motorcycle in the world can cruise like this,” “the Valkyrie from Honda.” Perrin was hooked: “I thought, holy hell, that looks cool.” The computer software designer signed up for an introductory motorcycle course at the Ottawa Safety Council.
Perrin bought his first bike from his future wife, Maureen, who would later enjoy reminding friends of that fact. Together, they went on bike tours in New Hampshire, New York, Vermont, Maine, Newfoundland and England. He rebuilt old bikes in his garage; he pored over motorcycle magazines. All of which led him to consider what had once seemed unthinkable. “When I first started motorcycling, I thought, those guys that are racing, they’re crazy. It’s insane. I would never do something like that, but then … ”
Four years ago, he took to the track as part of the Vintage Road Racing Association, a regional organization of motorcycle enthusiasts. Racing stoked his passion: he devoted himself last year to winning his motorcycle class. In the off-season, Perrin worked out in his basement as he watched races on his TV. It was while competing in the summer’s premier event at Mosport International Raceway that Perrin had his accident and ended up in The Ottawa Hospital Rehabilitation Centre.
On Aug. 14, 2009, on Mosport’s backstretch, he opened the throttle. As the bike roared to 160 km/h, the handlebars began to shake violently. Perrin went into a desperate speed wobble three-quarters of the way down the straightaway. “The oscillations got worse and worse,” “ I knew at one point that this is just going to be bad.” The handlebars ripped from his palms and he was thrown to the track. According to the official accident report, Perrin bounced and tumbled 140 metres and slammed into a concrete wall, the impact of which was personal injury- he broke his back. Perrin was taken to Bowmanville and airlifted to Toronto’s Sunnybrook Health Sciences Centre, where he underwent surgery to relieve the pressure on his spinal cord. Two titanium rods, secured with 12 screws, were inserted into his back; the metal scaffold would allow his spine to fuse from above his shoulder blades to below. Perrin was paralyzed from the ribcage down: He could wiggle only the big toe of his left foot. An intensive-care nurse would turn him in bed every three hours.
At night, his mind boiled with worry and grief. “You’re there and you can’t sleep with all of the beeping and alarms. I had lost my glasses in the crash, so I was even more disoriented. …There’s nothing to do but think. And at that point, I was thinking about what I’d lost.”
Doctors wouldn’t tell him whether he would ever be able to walk again since he had suffered an “incomplete” spinal cord injury, the outcomes of which are notoriously difficult to predict. Perrin didn’t dare to dream of taking another step. Instead, he grieved for his former life as a competitive swimmer, rugby player and bike racer. He grieved for what he would not be able to do with his children, Audrey, 3, and Amelia, 5. “I was never going to go running and playing with my kids again. They weren’t going to have a dad that could do sports with them.”
Yet Perrin was keenly aware of the danger posed by despair. He would allow himself only limited sessions of grief — 20 minutes at a time — before forcing his mind to return to the hard road ahead.“I realized in the hospital in Toronto, at that point, I had no tools at my disposal except my attitude. And I decided then that I was going to be relentlessly positive through all of this experience. …“Really, I knew I was lucky because you don’t come off of a motorcycle at near top speed and go tumbling along and live some kind of life that is still OK. I still had my kids. I still had my wife.”
Maureen flew to meet him in hospital. “I love you,” she told him. “Everything is going to be OK.”
Perrin arrived at the Ottawa Rehab Centre in early September 2009, unable to sit up in bed or transfer to his wheelchair. He needed a nurse to help him go to the bathroom and to get dressed. It took him more than two hours to get ready for his first physiotherapy session of the day.
Flash Forward- Perrin stands between the parallel bars, his right leg in a brace, his left leg exposed so he can watch it operate in a full-length wall mirror. It’s mid-January. With his physiotherapist, Becky Sottana, in front of him holding his hips, Perrin peels one finger at a time from the rails. He keeps his thumbs anchored as he studies his left knee in the mirror to make sure it’s not about to slam backward or buckle.Then, with the fixed stare of a man on a high wire, Perrin lifts his right hand from the bar. He moves the hand to Sottana’s shoulder and does the same with his left.
Sottana squeezes the muscles in his pelvis to help him “activate” the ones that will stabilize him. She tells him not to concentrate on individual muscles, but his body as a whole. Perrin readies himself for a single step. For months now, Perrin has been building strength in his legs and core in preparation for this day. He has done hours of squats and calf-raises in the therapy pool, hours of stretching and leglifts in physiotherapy. He has spent hours more learning to activate his stomach muscles for balance before moving an inch.
Sottana grips his left leg just above the knee to guide it forward. Since Perrin still has sensation in his legs, he can feel the pressure exerted on his quadricep. He concentrates on summoning the necessary muscles, but his left foot seems to have a mind of its own: it wavers left and right before landing on the ground. He lifts himself back and repeats the motion, watching the mirror to understand the behaviour of his left leg — and exactly where it is in space.“Everything that should be automatic, isn’t,” Perrin explains later. “If you put your arm behind your head, you know were it is. But I don’t really know where my legs are if I can’t see them.”Still, Perrin is exhilarated by the morning’s session. After months of building the muscles and balance necessary to stand, he can finally envision the payoff: He now believes his road back might, just might, end with him walking.“It’s a lot of hope,” he says. “At this point, I don’t expect to be walking to the corner store. But a little bit of walking, even from one side of a narrow door to the other, that’s really useful.”
Much uncertainty remains. “All we’re able to say is that it is a good prognosis in that there is potential for motor recovery,” says Perrin’s rehabilitation physician, Dr. Vidya Sreenivasan. “There’s still a lot of really big question marks as to where his recovery is going to take him.”
Perrin fits the profile of a someone with a traumatic spinal cord injury in that he is young and male, a risk taker. Yet he’s anything but a typical patient, says Dr. Sreenivasan. Many young men suffer depression or lash out out in frustration after such an injury, she says, but Perrin has maintained a disciplined focus on his recovery. “A lot of people have a lot more anger than Richard,” says Dr. Sreenivasan, “and that anger is understandable because they’ve had such a life change. Richard may have felt that sometimes, but he channelled that energy really constructively.”
Perrin says his outlook has been shaped by his experience as a competitive athlete, which taught him the road to improvement is marked by pain and frustration. He’s convinced better times are ahead. It has also helped to know there’s no one else to blame for his predicament. “I knew the risks and I had thought about them and accepted them, and in many ways, I think that helped me here because I wasn’t blindsided. I wasn’t asking, ‘Why me?’
“I know why me: Because I was doing something inherently dangerous. Unfortunately, I came out on the wrong side of the risk-reward equation. And I also ended up being part of the small percentage that suffer a very serious personal injury since the injuries tend to be broken bones, not paraplegia.”
In the last week of January, Perrin again stands between the parallel bars, this time strapped into a shoulder harness that’s fixed to the ceiling.
Perrin studies his feet as he drags and heaves his right leg down the length of the bars. He moves purposefully, hand over hand, like a climber on a mountain shelf.Exhausted by the end of the session, Perrin didn’t immediately appreciate its significance. But later that day, he posted a video of his walk on the Vintage Road Racing Association website, along with a note: “For a long time,” he wrote, “I didn’t even dare to hope that I’d be able to walk again. Then I didn’t dare to voice that hope. Then it was possible, and after a bit, probable. After this morning, I know I will walk again. It may not be far, or without lots of support, but it’s happening.” He showed his family the same video. “Daddy,” said five-year-old Amelia. “You could do flips.” Three days later, Perrin’s wife Maureen and his two children come to see him in action. He walks two lengths of the parallel bars strapped into the shoulder harness.
For Maureen, it means something more. It’s the first time she has seen her husband on his feet in five months, the first time she could again appreciate his wide, square shoulders.She folds into his arms and buries her head on his shoulder. Audrey and Amelia stop to watch. Physiotherapist Becky Sottana passes out the Kleenex. “It was like the impossible: I never thought it would happen,” says Maureen, a government epidemiologist. “It wasn’t something I’d ever thought I’d get to see again or I’d get to enjoy.” Maureen loved the way Richard threw himself into things: cooking, woodworking, motorcycling, marriage. It’s one of the reasons she doesn’t resent, even today, his obsession with racing. “He was doing something he loved so, so much. That’s who he is.”Maureen has watched Richard apply the same passion to his rehab, but it is another revealed quality that has moved his wife.
“It’s so humbling in a wheelchair because you can’t always do things yourself. But he kind of accepts it and moves on. I think it takes a really special person to be able to do that.”The accident, she says, has made her appreciate how much she could have lost. “I could understand what that would have meant for me, for the way that we manage each other, for the way we raise our children, and what the kids would miss from him. … He knows he has to keep it together and get on with it because people need him.”
For Richard Perrin, 36, the road ahead now is a little more certain.
His family will take possession of a new home later this month near Andrew Haydon Park; it will take a few months to complete the renovations required to make it wheelchair accessible. He’s still awaiting a response from his insurance company as to what it will cover.
He will go back to work soon since his disability will not affect his job as a software designer with Kanata-based Solace Systems. Perrin expects to leave the rehab centre in early April. In the meantime, he wants to learn to use a walker. “Then, all of a sudden,” he smiles, “I could walk places without parallel bars — which is most of the world.”




