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:
- Tears/ partial tears
- 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 firstname.lastname@example.org (613) 978-9549
Ontario Accident Benefits, Definition Minor Injury Guidelines, Ontario Injury Lawyer David Hollingsworth
Catastrophic Injury and Non-Catastrophic Injury: STATUTORY ACCIDENT BENEFITS
Did you know that regardless of who is at fault, people injured in motor vehicle accidents in Ontario may be entitled to certain accident benefits from their own motor vehicle insurance company regardless if they have suffered a catastrophic injury or not?
Even if you do not have car insurance, if you suffer personal injury in a car accident , you are entitled to receive compensation from the Ontario government.
Effective September 1, 2010, the SABS or Statutory Accident Benefits Schedule states that among other Ontario accident benefits available, Ontario accident benefits include:
- an Income Replacement Benefit of up to $400 per week,
- an Attendant Care Benefit of up to $3,000 per month with a maximum of $36,000, and
- Medical and Rehabilitation Benefits of up to $50,000 over a 10 year period following an Ontario accident.
If a person dies in an Ontario motor vehicle accident, Ontario accident benefits are available for Funeral Expenses as well as a Death Benefit.
If the personal injury is more serious and is deemed within the definition of “catastrophic impairment injury”, there is an increase to:
- $1,000,000.00 in Medical and Rehabilitation Benefits and
- $1,000,000.00 in Attendant Care Benefits which are payable over the course of an injured person’s life.
People who have suffered catastrophic injury are also eligible for Case Management Services as well as other Ontario accident benefits such as Housekeeping and Home Maintenance Benefit of $100.00 per week payable for the duration of their lifetime.
What is the difference between a Catastrophic injury and a Non-Catastrophic injury?
Let’s start by looking at the Ontario accident benefits…
What are NON-CATASTROPHIC benefits?
- Income Replacement Benefit – 80% of net weekly income up to maximum of $400.00 per week to a maximum period of 104 weeks.
- Non-Earner Benefit – $185.00 per week to a maximum period of 104 weeks.
- Caregiver Benefit – $250.00 per week for 1st child and $50.00 per week for each subsequent child to a maximum period of 104 weeks. Only applies for children under the age of 16.
- Attendant Care Benefits – $3,000.00 per month maximum to a maximum period of 2 years.
- Medical and Rehabilitation Benefits – $50, 000.00 maximum. 10 year maximum period.
What are CATASTROPHIC INJURY benefits?
- Medical and Rehabilitation Benefits – $1,000,000 to use over the course of the injured person’s life.
- Attendant Care Benefits – $1,000,000 to use throughout life. Monthly payment maximum is $6000.00
What are these Ontario Accident Benefits?
- Income replacement benefits help replace lost income if an employed or self-employed claimant is disabled.
- Caregiver benefits pay certain childcare or other caregiver expenses if a stay-at-home parent or other caregiver is unable to care for a child or other person in need of care.
- Non-earner benefits are paid if a claimant who is not employed or self-employed is unable to carry on with normal life.
- Medical and rehabilitation benefits pay for treatment and rehabilitation assistance that is not covered by OHIP or another disability insurance plan.
- Attendant care benefits pay for someone to look after a seriously injured claimant.
- Funeral expenses and death benefits are paid if an insured person dies as a result of the accident.
Depending on your circumstances, you may also be entitled to other benefits, such as payments for lost education expenses, housekeeping assistance, visitors’ expenses, repair or replacement of eyeglasses or clothing damaged in the accident, or case management services.
Each and every case is different and to know exactly what you are entitled to, it is best to consult an Ontario personal injury lawyer specializing in Ontario car accidents.
Ottawa Ontario motorcycle accident lawyer David Hollingsworth, Ottawa bike accident lawyer David Hollingsworth…I came across this information on a related website and found it very valuable. I have changed some of the information to make it relevant to Ontario accident victims. Did you know that one of the most common causes of motorcycle and bike accidents is when a car turns left in front of a motorcycle. Did you know that turning left is one of the most common types of car accidents for motorcyclists, often resulting in serious personal injury. As an experienced Ottawa Ontario personal injury attorney, I have seen similar Ontario motorcycle accidents resulting in serious personal injury for the motorcycle rider occur repeatedly. Often times the driver of the car does not see the motorcyclist. Motorcyclists simply do not have the same protection and therefore are ususally the ones with the more serious personal injury after the accident. Hiring the best Ontario accident injury lawyer after any motorcycle crash or accident resulting in serious personal injury is crucial. The best Ontario personal injury lawyers, are experienced in Ontario motorcycle accident law and know how best to represent you with your insurance compnay to get you maximum compensation after your motorcycle accident. The best Ontario personal injury lawyers can not only get you financial compensation, they can help get you housekeeping, caregiving, medical expenses, lost time at work, out of pocket expenses and many other accident benefits you may be entitled to.
An experienced Ottawa Ontario motorcycle accident attorney can help explain your rights and give you a free consultations to help you get started with your Ontario insurance claim. In any motorcycle accident lawsuit or insurance claim, it is extremely important to document these cases properly, ensuring that evidence is gathered efficiently and completely. Ottawa personal injury lawyer David Hollingsworth and his personal injury team can help with accidents and personal injuries throughout Ontario and if needed will travel to you.
Ottawa Ontario Insurance Claims Lawyer David Hollingsworth Ottawa Accident Lawyer, Ottawa Personal Injury Lawyer David Hollingsworth- ..I know I keep harping about the upcoming changes to Ontario car insurance, but I am concerned and want to make sure you have a clear picture of what is going on for Ontario drivers. It is important that you make an informed decision, when it comes to renewing your Ontario car insurance…
A serious personal injury claim is much more expensive than the cost of most vehicles. The most serious of personal injuries are not common, but could cost more than several vehicles. Personal injury is reported in 54 % of private passenger car (this includes motor vehicles) accidents covered by car insurance. Nearly 1/2 of those personal injuries are more than minor.
Insurance claims companies reported 71,803 personal injury claims for Ontario accident benefits among the 138,568 property damage and collision claims involving Ontario’s more than 6 million insured, private-passenger vehicles in 2009. What does this mean? Based on the figures Dominion reports, there would have been nearly 39,000 minor personal injuries, more than 30,000 more serious personal injuries and more than 5,500 of the most serious personal injuries. It’s important that drivers become more familiar with the Ontario personal injury coverage they now get with the mandatory portion of their car insurance, and what amounts they will soon have the option to buy.
Ontario Drivers renewing their car insurance after Sept. 1, 2010 may choose to buy $50,000 of medical and rehabilitation coverage, or pay extra to continue to have $100,000 over coverage for personal injuries that are neither minor nor catastrophic personal injury.
Ontario is the only province with privately delivered insurance that allows the purchase of additional coverage. It will still be possible to buy $1 million of medical coverage instead of either the $50,000 or $100,000 limit. No matter what amount of coverage you have now, or choose to buy later, there will be a $3,500 limit on coverage for treatment of most minor personal injuries starting Sept. 1.
Other coverages, such as for housekeeping and child care while you are injured, will become optional and at an additional cost. In my opinion, as an Ottawa Ontario personal injury lawyer, if you can afford this, it is well worth it, when you need it most. The Financial Services Commission of Ontario (FSCO) is expected to release its next quarterly report on the averages of approved rate changes sometime this month. Some time after that, Ontario insurance claim agents and brokers will be able to tell Ontario insurance policy holders about the sort of rate changes they are facing.
Many Ontario insurance companies have already begun publicizing these new changes and how they may “save” you money, when renewing your Ontario insurance; however keep in mind that the reduction you might face in payments, is minimal to the reduction you may face if ever you are involved in an Ontario car accident and have serious personal injuries. Remember, the personal injury coverage is far more important than the coverage on your vehicle.
Please pass this on to anyone in Ontario who walks, drives, bikes, or rides !It affects us all..
If you have any questions, or need more information, visit www.ottawainjury.ca I would be happy to answer any other questions you may have,
David Hollingsworth, Ottawa Personal Injury Lawyer, serving Alexandria, Arnprior, Belleville, Brockville, Clarence Creek, Cornwall, Embrun, Gananogue, Hawkesbury, Kemptville, Kingston L’Orignal, Morrisburg, Napanee, North Gower, Pembroke, Perth, Peterborough, Picton, Prescott, Renfrew, Richmond, Russell, Smith Falls, and Tweed and all cities, communities, districts, municipalities, regions, towns, townships and villages in between.
Ottawa Boating Accident Lawyer David Hollingsworth- Ottawa, Ontario Personal Injury Lawyers– It looks like it is going to be a gorgeous weekend out there in Ottawa and eastern Ontario. Please remember to ride and boat safely to avoid injury and harm!
A review of water accident statistics, can remind us all just how often aquatic accidents occur each year. In 2008, there were 4,789 accidents recorded on the water involving boats and jet (with personal watercraft accidents totaling at 23% of that figure). Furthermore, there were 45 deaths on jet skis (17 of which were drowning death’s). The best way to avoid these accidents is to prevent them from happening in the first place—and that involves attention to factors such as alcohol and drug use, excessive speeding and careless driving, and general reckless disregard for driving rules and environmental conditions.
Ontario boating or aquatic accidents can be very complicated. Who is at fault? Who was negligent? The injured victim can face a complex process involving trying to figure it out all. I recommend to all accident victims to first and foremost, treat their injuries as soon as possible. Check yourself into a hospital, and make sure you and your family are safe. Second, make sure to report the accident and to obtain an official accident report from qualified authorities regarding the details of the accident, such as what led to the accident, and so on. This is also where the services of a top Ottawa Personal Injury lawyer can be used to ensure that are on your way to full recovery, including not losing out on what you deserve financially and to cover your rehabilitation costs. Remember to save all medical records and other documentation to help your lawyer to measure your damages and argue your case and move your legal forward.
You are injured, you need help. While concentrating on your recovery, you need to seek the help of an Ottawa, Ontario personal injury lawyer. Since 1999, Ottawa personal injury lawyer David Hollingsworth has devoted his practice to representing individuals injured in eastern Ontario accidents, including victims of Ottawa boating accidents and jet ski accidents.
Knowing the facts regarding personal injury is helpful when determining whether or not to hire an Ottawa Ontario personal injury lawyer. Personal injury covers physical harm, such as broken bones, bruises, or any serious injury sustained in an accident. It also includes the emotional and psychological injury you experienced as a result of trauma sustained through a humiliating or life-threatening experience.
Ottawa Ontario personal injury lawyer David Hollingsworth handles all types of cases where you or a loved one has been injured or even killed due to an accident or the negligence of others. Let Ottawa Ontario personal injury lawyer David Hollingsworth help you rebuild your life after your accident. With your well-being and potential financial future at stake, you need one of the best Ottawa, Ontario personal injury lawyers. Visit www.ottawainjury.ca for a free consultation. David takes his cases on a contingency basis, which means he doesn’t get paid until you have been paid.
Ottawa Boating Accident Lawyer, Ottawa Personal Injury Lawyer David Hollingsworth-
mobile (613) 978-9549 (613) 237-4922 ext.203