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

Ontario injury lawyer travels to homes throughout eastern Ontario.

Personal Injury Lawyers in Ottawa Ontario.

I just returned from the Eganville area and was reminded again of how beautiful that area is.  We passed through Renfrew along the way and it too was such a great town to drive through.

These areas are especially gorgeous this time of year with all the fresh white snow and the sprawling farms. I have several clients in the Eganville, Braeside, Renfrew, Arnprior and Pembroke areas and I travel to meet them regularly.

I am happy to travel to my clients home not only because it’s often times easier for me to travel to them ,than them travel to me.  I also like meeting people in their homes because it often gives me a chance to meet their families and find out if their family members have any needs.

Often times when someone is in an accident they are suffering and have emotional, physical and psychological needs; however most times there are also impacts on their family members. An injury impacts a family on many levels. I understand this and have seen it.

I am so thankful that I am in the position of helping accident victims and their families.  I know how to help. I know exactly what to do to ensure that maximum compensation is given to my clients.  They deserve it as they have had their lives turned upside down and this is the very least we can do to help. We are  happy to help and will travel anywhere throughout Ontario to help Ontario accident victims and their families. Give us a call or email us at david@ottawainjury.ca


Ottawa pedestrian accident Kent street results in head injury, pelvis injury and arm injury.

Ottawa Pedestrian Accident

An unidentified 50-year-old woman was rushed to an Ottawa hospital with serious personal injuries after she was hit by a truck on Kent street, near Slater this  morning at approximately 7:30. The impact caused her to suffer personal injuries to her head, pelvis, and arm.  I wish her a full recovery and hope none of these injuries are permanent.

Pedestrian accident often result in serious injuries and many pedestrians are unaware of the accident benefits they are entitled to. Regardless of whether or not a pedestrians has their own insurance policy or regardless of whether or not they are at fault, you have rights and you likely have an injury claim for compensation against the driver of the vehicle that hit you. Most pedestrian are entitled to medical expenses, medical treatments. and compensation for pain and suffering among other expenses.

The question that comes into play in a pedestrian accident is ..was there contributory negligence.  Contributory negligence is when the pedestrian is help party responsible  for the accident. The amount of compensation is reduced if the pedestrian is found partially responsible for the accident.  In other words, the insurance company will try to pay less in compensation if the pedestrian was not crossing at a crosswalk etc… This is when it is absolutely vital that you have an experienced personal injury lawyer representing you.  not only will your personal injury lawyer protect you and your rights, they will ensure that the proper amount of compensation is paid out and not a reduced amount based on factors the insurance company is going to try to argue.

Pedestrian accident claims can be tricky and it’s important that you hire a personal injury lawyer you are comfortable with and can trust. Request a free consultation with a lawyer and ask them point blank what experience they have with pedestrian accidents and what type of compensation, benefits and support you can expect.  If they know what they are talking about, you will know right away that they are the personal injury lawyer for your pedestrian accident.







Ottawa pedestrian car accidents


Ice blamed for Ottawa pedestrian accident resulting in severe head injury and a fractured ankle. Ottawa lawyer David Hollingsworth shares news.

Ottawa Pedestrian Accident

A strange twist of events led to a terrible Ottawa accident that left a woman  trapped under a van for close to 45 minutes this morning at 7:30 am. The Ottawa accident occurred at Woodroffe and Knoxdale roads. The 48 year old pedestrian became trapped after she slipped on ice at the entrance to a parking lot. A vehicle that was passing  hit the woman while turning right into the parking lot. Ottawa rescue crews needed to free the woman who was trapped under the vehicle. Ottawa Police reported that the driver had been looking in another direction and didn’t see the woman until it was too late. As soon as he noticed her, he tried to stop but it was too late and he too slid on the ice. The pedestrian suffered a fractured ankle and a serious head injury . She was rushed to the Civic Hospital in serious but thankfully stable condition. My thoughts are with her and her family and I wish her a full recovery.

Pedestrian Accidents and Insurance

Unfortunately most pedestrian accidents result in serious personal injuries.  Pedestrian accidents are also  some of the most confusing for people who don’t have insurance because they aren’t sure where to start or how to pursue a personal injury lawsuit. That’s where our experienced personal injury lawyers come in . Our lawyers ensure that our clients are getting all the supports, this means appointments with specialists, filling out complicated insurance forms, setting up assessments and making sure that our clients receive maximum compensation.  Most pedestrians accidents involved suing the insurance company of the driver who hit the pedestrian. Our lawyers are here to explain the entire process by offering free consultations and can travel to you. Let us help.