How much information should you share with your personal injury lawyers ?

How much information should you give your personal injury lawyer?

We often meet with clients who are injured in an accident and don’t know what to do.  Initially we walk through the steps to take in getting a claim started and start getting support at home .  Throughout the first few months following an accident , there are a lot of changes in one’s recovery and health.  It’s important to remember to keep your personal injury lawyer abreast of these changes. If your recovery is not moving along as expected or if you feel your health is in fact declining, it is important to seek proper medical treatments as soon as possible.  The longer you wait, the worse it may become.  You are doing yourself any favors by “toughing it out”.   Once you have received proper medical treatment and are taking care of yourself, it is important that you share with your personal injury lawyer any changes in your health and recovery.  If you are referred to a new doctor or a specialist, it is important to keep your personal injury lawyer informed of such referrals.  Your personal injury lawyer will want a copy of all medical reports and any developments in your treatment plan.  The more information your personal injury lawyer has, the better they can prepare your case. In the long run this will help your case, as there will be no surprises. You may think you are bothering your injury lawyer, or they are too busy, or that you will be billed every time you contact them . In most cases, all it takes is a simple email.  Most personal injury lawyers take cases on contingency so you don’t pay anything until your cases is resolved so you need not worry about being charged. Your personal injury lawyer will want to know what you are going through.  The more they know, the more they can help.  In our initial meetings with clients, we try to make this message clear; however, often times down the road we will have clients say things like ” I didn’t want to bother you…”.  Trust me, it would bother us more if we didn’t know !

It’s important that you are honest and open with your doctors, nurses, social workers , health practitioners and injury lawyers.  We all understand that what you are going through is not easy and at times you may wish to remain private.  This is completely understandable and normal; however it is not what’ s best for you.  You need to be as open as possible and accurately describe your pain and symptoms.  The best way to recover is to properly diagnose that needs recovery.  As experienced personal injury lawyers, we are actively involved in your recovery.  We often will attend meetings with your health team and give input on what we think that can in your recovery.  We have helped hundreds of people rebuild their lives following an accident and we can help you.

Contact us at no charge and we can discuss your personal situation and how we can help you and your family.   Leave this to us so that you have the time and energy to focus on your self, your recovery and your family.

 


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 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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