Posts Tagged ‘ottawa insurance claims lawyer’

Ontario accident? How to calculate the maximum amount of income replacement benefits you receive from your Ontario accident benefits plan.

What are income replacement benefits?
If you have been in an accident in Ontario and have suffered personal injury, you are most likely eligible for Ontario accident benefits. Ontario accident benefits , can partially compensate you for any  losses of  income if you are unable to work because of your personal injuries. You are only eligible for income replacement benefits if you were employed at the time of the accident or, subject to certain conditions, during the year prior to the accident.
You may be eligible to receive income replacement benefits every two weeks to partially replace lost income due to your motor vehicle accident. This includes  motorcycle accidents, boating accidents ATV accidents etc… If you are unable to perform your  job, you may receive income replacement benefits  for up to 104 weeks following the onset of your disability. You may qualify for income replacement benefits:

Did I suffer physical or psychological impairments as a result of a motor vehicle collision and, as a result, am I unable to work?
Do any of the following statements apply to you?
Were you employed or self-employed at the time of the motor vehicle accident ?
Have you worked for at least 26 of the 52 weeks prior to your accident?
Were you  receiving Employment Insurance (EI) benefits at the time of your accident?
Were you unemployed but was at least 16 years of age or  excused from attending school at the time of your accident?
If you answered “yes” to the above questions and qualify for income replacement benefits, you may also be eligible and elected to
receive a non-earner benefit or caregiver benefit instead. In this case, you will be disqualified from receiving  income replacement benefits. If you are unsure of which benefits to elect, contact a Ottawa personal injury lawyer so they can best advise you as to which accident benefits will be best for you.

How much do you receive for income replacement benefits?
If you are eligible to receive income replacement benefits, you will receive a payment at least once every second week of 70% of your gross income salary minus any income replacement assistance paid by other sources, such as your employer, to a maximum of $400 per week.  If you continue to qualify for income replacement benefits after 104 weeks, your minimum weekly benefit will be $185. The first week of your disability is not covered.

When you purchased your car insurance, you may have opted to purchase additional income replacement benefits from your insurance company which may pay up to $600, $800 or $1,000 per week depending on
how much additional insurance coverage you purchased. If you are unsure whether or not you are entitled to additional income replacement  benefits, contact your Ottawa personal injury lawyer. They can help answer that question once they have reviewed your insurance policy.
Your gross income is your income before any deductions and taxes. The gross income amount you receive will be calculated on the information you put down on your application form. In general, income replacement benefits are calculated
as follows:
If you are employed at the time of the accident, income replacement benefits are based on your gross income either:
in the 52 weeks before your accident or in the 4 weeks before your accident multiplied by 13.
If you were self-employed at the time of your accident,  income replacement benefits are based on actual income earned
in the last 52 weeks or in the last fiscal year completed before the accident.
If you were not working at the time of your accident but you were receiving EI benefits, or had worked at least 26 weeks of                the 52 weeks before your accident, the income replacement benefits will be based on income earned
in the 52 weeks before your accident including your EI benefits.
If you are over the age of 65, income replacement benefits are payable for up to 208 weeks and are gradually reduced.
If you are 65 years old  and are receiving income replacement benefits, your income replacement benefits are converted to a lifetime pension at a reduced rate.
Ottawa Injury Lawyers David Hollingsworth and Associates . If you have been in an accident in Ontario, it is always best you consult with an experienced Ontario personal injury lawyer after you accident. We work day in , day out with Ontario insurance claims and know how to ensure that our clients are receiving all the Ontario accident benefits they are entitled to. Do yourself a favour and take the free consultation from a personal injury lawyer.

-Our Ottawa injury lawyer team are experienced and dedicated Ottawa lawyers specializing in Ontario personal injury, accidents and insurance claims.  Since 1999, we have built one of the top Ottawa personal injury lawyer teams.   If you have any questions, please contact us with any questions/consultations at (613) 978-9549 or email at david@ottawainjury.ca or visit our website at www.ottawainjury.ca

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David Hollingsworth and Associates.

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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. www.ottawainjury.ca 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 Lawyer: Important timelines when filing an insurance claim after an accident.

Ottawa accident Lawyers David Hollingsworth and Associates…Anyone can get hurt in an accident at any given moment. It happens so quickly and the after effects can be devastating. In Ontario, there are certain timelines that need to be adhered to make an insurance claim as easy as possible, following an accident. If you or someone you love has been injured in an accident, these timelines need to be adhered to as best as possible.  

First and foremost, if needed seek medical attention immediately and ensure that your health needs are being met.

Within 7 days of your accident, it is crucial…
That you or a loved one notifies your insurance company of  the accident.

Within 30 Days of your accident, it is crucial…
That you make an application for accident benefits.

Within 2 Years of your accident, it is crucial…
Your personal injury lawyer files a tort claim against the party who is at fault for the accident. This in turn, makes a claim against the insurer if you are denied accident benefits from your own insurance company.

As an Ottawa personal injury lawyer, I know that the days immediately following an accident, it is difficult to start making claims and filling out applications.  That is why it is best to contact an Ottawa personal injury lawyer and let them do this for you.Your job is to recover .  Their job is to help you.  I can’t tell you how much stress is immediately relieved when I tell my clients in the initial meeting. “Don’t worry, we can take care of this for you.” I can immediately see it in my clients faces and bodies. 

There are certain exceptions to these timelines; however they are rare.  If you happen to fall into this category, it is best you consult with a personal injury lawyer and let them look into it for you.

For more information visit www.ottawainjury.ca

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

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Ottawa accidents: Where to avoid. Ottawa’s busiest accident intersections.

Personal Injury Lawyers in Ottawa Ontario….Listen up Ottawa drivers ! Did you know that more than 15,000 auto accidents occurred  in Ottawa in 2011. This is more Ottawa accidents than last year; however,  fewer people died and  fewer people suffered personal injuries.

The most common intersection in Ottawa for accidents is Riverside Drive and Hunt Club Road. This busy Ottawa intersection had 53 crashes in 2011, compared to 2010,when it also ranked  first in accidents, 43 accidents reported.

The second most common Ottawa accident intersection was Belfast Road and St. Laurent Boulevard. There were  32 accidents in 2011.

The intersection of Baseline Road and Woodroffe was also a common accident location with 31 accidents reported.

The following intersections also reported a high number of Ottawa accidents in 2011:

Catherine Street and Kent Street- 30 Ottawa accidents

 Walkley Road and Hawthorne and Russell roads- 30 Ottawa accidents

Prince of Wales Drive and West Hunt Club Road -30 Ottawa accidents

Blair Road and Blair Road Ramp 36 -29 Ottawa accidents

Clyde Avenue and Merivale Road- 29 Ottawa accidents

Industrial Avenue and St. Laurent Boulevard -29 Ottawa accidents

Baseline Road and Greenbank Road -28 Ottawa accidents

Beechwood Avenue and Crichton Street - 28 Ottawa accidents

Thankfully, none of these Ottawa accidents resulted in death.  

The city of Ottawa recorded 15,295 collisions in 2011, up from 14,953 in 2010,  The number of registered vehicles and licensed drivers on Ottawa’s roads also increased in 2011.

The city of Ottawa also reported that 25 people died in Ottawa accidents: 9 drivers, 7 passengers, 1  motorcyclist, 1 cyclist and 7 pedestrians.  The number of fatal accidents in Ottawa lowered  from 2010, when 38 deaths occurred in Ottawa accidents and is the lowest number of fatalities in 6 years.

The number of reported people suffering personal injuries in Ottawa accidents lowered from 3,822 in 2010 to 3,690 in 2011, including  2,152 drivers, 814 passengers, 339 pedestrians, 130 motorcycle drivers, 13 motorcycle passengers, and 242 cyclists .

The city of Ottawa is also looking at  road safety initiatives and assessing  different types of situations when Ottawa accidents happen and where personal injuries result,  to improve safety for everyone in Ottawa .

–The Ottawa Injury Lawyer report is written regularly by Ottawa Ontario Personal Injury Lawyer David Hollingsworth. Our Ontario Injury Lawyer Blog reports on accidents throughout eastern Ontario, personal injury topics, Ontario accident benefits, insurance in Ontario,  news in Ottawa and events and  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, Ottawa Accidents

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Embrun accident sends 18 year old to hospital in critical condition

Ontario Injury Lawyer David Hollingsworth ..Metcalfe Accident…Sadly, an 18-year-old Metcalfe woman remains in critical condition after a terrible accident occurred when her car hit a tree in Embrun early Tuesday morning, close to Notre-Dame Street at about  1:45 a.m. Anyone who may have information related to this accident are asked to contact the Ontario Provincial Police…     My thoughts are with this young girl’s family and friends at this very stressful time….

—-The Ottawa Injury Lawyer Blog is written regularly by Ottawa Ontario personal injury lawyer David Hollingsworth. The Ottawa 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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Embrun accident, lawyer Ottawa Ontario

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Bells Corners Ottawa accident, toddler rushed to CHEO with life threatening injury.

Ottawa Injury Lawyer David Hollingsworth…A terrible Ottawa accident resulted in a 2 1/2 year old girl being rushed to the Queensway Carleton Hospital  in critical condition after she was hit in Ottawa east  end by a minivan on Cymbeline Drive. She was later transferred to CHEO. Ottawa Police arrived around 2:30 p.m. to the accident scene in the 0 to 100 block of Cymbeline Drive, in Bells Corners, close to the intersection of Moodie Drive and Robertson Road. The toddler had been walking with her mother, who was pushing a stroller,  when she was struck. The toddler was unconscious when rescue crews arrived and had life-threatening head injury, chest injury , leg injury and severe internal injuries. Ottawa Police are still investigating this terrible Ottawa accident . My thoughts go out to this family at this terribly difficult time.  My thoughts are with this little girl and her FULL recovery.  I’m also thinking of her parents at this time.  … As a father of three young children myself, I am her sending her hope and strength…

—-The Ottawa Injury Lawyer Blog is written regularly by Ottawa Ontario personal injury lawyer David Hollingsworth. The Ottawa 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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Bells Corners Accident, Toddler Accident CHEO

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Ottawa Police aiming to reduce Ottawa cycling accidents with cycling safety

Ottawa Personal Injury Lawyer David Hollingsworth ..Ottawa Police are conducting a bicycle safety campaign until this Sunday to ensure Ottawa cyclists are adhering to all road safety rules. For everyone’s safety , Ottawa Cyclists are reminded to stop at all stop signs and red lights.  Ottawa Police are also cautioning Ottawa cyclists to be careful when crossing intersections and to use proper cycling hand signals when turning and stopping.  It is illegal for cyclists to ride on the sidewalk, and cyclists must share the road.

Please everyone–drivers and cyclists, be very careful and aware of each other out on our Ottawa roads.

-Ottawa Personal Injury Lawyer David Hollingsworth

—-The Ottawa Injury Lawyer Blog is written regularly by Ottawa Ontario personal injury lawyer David Hollingsworth. The Ottawa 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, call (613) 978-9549 or email me: david@ottawainjury.ca

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Ottawa bicycle accident lawyer David Hollingsworth

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Ottawa motorcycle accident : man rushed to Ottawa hospital in critical condition

Ottawa Injury Lawyers David Hollingsworth…Sadly, an Ottawa  man in his 30s is in critical condition after a serious motorcycle accident , when he hit a  guardrail in Ottawa’s east end yesterday afternoon. Ottawa rescue services arrived  to Highway 174′s east off-ramp on Blair Road, shortly after 2:00 in the afternoon. The man had suffered serious personal injuries  to his chest and limbs and was rushed to an Ottawa hospital in critical condition. Ottawa police are continuing to investigate. If you have any information relating to this Ottawa motorcycle accident, please contact the Ottawa Police. My thoughts are with this man, his friends and family and I hope his condition improves significantly today…

—-The Ottawa Injury Lawyer Blog is written regularly by Ottawa Ontario personal injury lawyer David Hollingsworth. The Ottawa 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, call (613) 978-9549 or email me: david@ottawainjury.ca

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Ottawa motorcycle accident lawyer David Hollingsworth, Ottawa motorcycle accidents

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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)
As an experienced Ottawa personal injury lawyer, I urge anyone whose personal injuries have been classified as a minor injury and who feel that their injuries should not be in the minor injury guidelines to consult with an experienced Ottawa personal injury lawyer.  They can help you by filing an application for mediation with the Financial Services Commission of Ontario  (FSCO) and ensure you meet the limitation period for making  an application . Experienced Ottawa personal injury lawyers have helped countless numbers of Ontario accident victims not only get diagnosed properly, but get maximum compensation and rehabilitation.  These injuries may affect the rest of your life and you need to ensure that you receive what you need to live your life as best as possible. Don’t sell yourself or your family short ! Consult with  an experienced Ottawa personal injury lawyer.

———————- 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.

Ottawa Car Accident Statistics. Sadly, there was a significant spike in fatal Ottawa accidents in 2011 with 38 people dying on Ottawa’s roads.   The number of life-threatening personal injuries dropped in 2010. Since 2006, the number of life threatening personal injuries has dropped every year. The Safer Ottawa Roads Program report indicates that the injury trend  is probably the more significant when it comes to measuring the safety of Ottawa’s roads. There’s a fine line between dying in a road accident and being seriously injury.  The report also measured the death and injury rates per 1,000 people. It showed clearly that Ottawa roads were much more dangerous back in the 1990s.  The report also breaks down personal injury and deaths from 2003 to 2010 by whether people were cycling, walking, or riding or driving in a vehicle. In both cases, slightly more than 7 /10 victims were motorists or passengers, 2/10 were pedestrians, and slightly less than 5/10 were cyclists. Let’s  do everything we can do decrease the number of Ottawa car accidents and personal injuries and death resulting from car accidents.

———————- 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

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