Ontario Insurance Claims Lawyer, Ottawa Personal Injury Lawyer David Hollingsworth

Drivers should be careful not to accept the lowest Ontario insurance  coverage just to save a few bucks a month. Ontario drivers signing new insurance policies or renewing existing ones will see a drastic change in their basic injury coverage when Ontario’s new auto insurance policy takes effect, lowering the minimum required rehabilitation coverage from $100,000 to $50,000. In addition, coverage for minor injury treatment has been capped at $3,500. If you can make it work, you should not settle for the new basic Ontario insurance packages set to change in September , which could leave those who suffer personal injury from an Ontario accident in trouble. If the Ontario car insurance  you select doesn’t cover  rehabilitative needs ,  injured victims could be left to cover it themselves out of their own pocket, leaving many Ontario accident victims with personal injuries they cannot afford to care for.

Yes, some Ontario drivers might get a slight dip in their auto insurance rates come September  as compensation; however,  depending on what you drive, where you drive it and who insures you, the average Ontario car insurance price decrease will range anywhere from 0.01% to more than 7%. Customers with some companies will see no change at all.

A $3,500 cap simply will not cover most minor personal injuries, not to mention that personal injuries sometimes worsen over time. Under Ontario’s new  auto insurance policy, a minor injury would be defined as a sprain, strain, whiplash, contusion, abrasion, laceration, partial dislocation of a joint or organ and any pathological condition resulting from a personal injury. The reality is that under Ontario’s new “basic” coverage, Ontario accident victims’   personal injury needs will not be met. As an Ontario personal injury lawyer, I am highly recommending everyone to unfortunately pay more to keep the current accident benefits at the very minimum.

I do fear that most people will choose the lowest option, not knowing the very serious implications of this choice. Most people will choose to pay the lowest level of coverage and premiums might go down, but they are seriously putting themselves at risk if they are involved in an Ontario accident and suffer personal injury.

For customers who want to keep the same level of personal injury coverage it will cost them on average about $150 more per year on a one-driver, one-vehicle plan, depending on the insurance company.  I know this is hard to swallow but it is a drop in the bucket compared to what it could be if ever  you are in an Ontario accident and experience personal injury from an accident and need treatment that is not covered. Ontario drivers with an existing policy will receive the same coverage after Sept. 1 until that policy expires.

Ottawa personal injury lawyer David Hollingsworth has been dedicated to helping Ontario accident victims and their families get the support and help needed for their personal injuries. With over a decade of experience, David has forged strong relationships with medical doctors, social workers, psychologists, occupational therapists, physiotherapists, other treating health practitioners and the support network involved with his clients. David is happy to discuss  all Ontario accidents and can help  determine what one needs and is entitled to when rebuilding a life after an accident, free of charge 613 978-9549 or 613 237-4922 ext 203 or visit www.ottawainjury.ca for more information.