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


Ottawa personal injury lawyer explains who pays for Ontario accident benefits insurance compensation?

Ottawa Personal Injury Lawyers working with David Hollingsworth.

Ottawa Lawyers who travel to you to ensure maximum compensation.

Who pays for Ontario accident benefits insurance compensation?

Since Ontario has no-fault insurance, it can be confusing and sometimes difficult to understand who exactly pays for insurance compensation.  Does it come directly from the driver’s pocket? The other driver’s pocket? Your own insurance company? The other driver’s insurance company? Regardless of who is at fault, if you are seriously injured, you are entitled to certain Ontario accident benefits from your own car insurance company or from the car insurance company of another vehicle involved in the accident, no matter who is at fault. Depending on the circumstances of your accident, Ontario accident benefits compensation can come from any of the following.

  1. your insurance company
  2. the insurance company of the vehicle that you were travelling in as a  passenger
  3. the insurance  company of the any vehicles involved in the accident .
  4. if uninsured, the MVAC:  Motor Vehicle Accident Claims Fund . This is a fund established by the Government of Ontario to help compensate people who need help but have no insurance at the time of their accident.

How an Ottawa personal injury lawyer can help you with your insurance claim.

Experienced Ottawa personal injury lawyers will be able to help you fill out your Ontario accident benefit forms and help you determine your best course of action. It is always advisable to consult with an experienced personal injury lawyer and get a free consultation.  We meet daily with people who have been in accident sand need help.  One of the many services we offer is that we will fill your Ontario accident benefits forms for you.  It’s important that these forms are filled out correctly and in a timely manner.  Failure to do so can affect the amount of compensation you receive and the length of time it may take to receive your compensation.  The Ontario accident benefits insurance process can be complicated. Let us help you.  You have been through enough.

 

 


How you can receive housekeeping and home maintenance expenses after an Ontario accident.

What are housekeeping benefits ?

Taking care of your home seems like the last thing you need to think about after an accident but unfortunately, you need to or you need someone helping  you. If your accident was in Ontario, you may be eligible for Ontario accident benefits from your insurance company or the insurance company of the driver who was at fault. There are several different accident benefits available to you. One involves housekeeping and home maintenance expenses. Basically, if you are unable to perform your usual housekeeping duties or home maintenance duties, your accident benefits can cover someone performing these duties for you.

How much are housekeeping benefits in Ontario ?

The maximum housekeeping and home maintenance benefit payment is $100 each week.

Does everyone qualify for housekeeping benefits?

This home maintenance and housekeeping benefit  is available only to Ontario accident victims who are deemed  “catastrophically injured” in an Ontario accident. However, the FSCO -Financial Services Committee of Ontario has made housekeeping and home maintenance benefits available to non-catastrophically injured accident victims as well by purchasing additional accident benefits. Yes, this means an additional cost each month to an already expensive insurance payment.

Should you purchase additional accident benefits?

We understand that purchasing these additional accident benefits may not seem to make sense; however,in the event of an accident , you may rely heavily on your insurance benefits.  If you are unsure of whether or not you have access to these Ontario accident benefits, let us know and we can help steer you in the right direction.  We can give you advice and let you decide how you want to approach your insurance company. We are here to help. All advice is free.

If you feel like your insurance company isn’t being fair, that’s where our personal injury lawyers in Ottawa can help. Let us help.

 


Eastern Ontario highway accidents increase in 2012. Ottawa lawyer David Hollingsworth

Accidents resulting in death

Statistics reported in the Ottawa Citizen today revealed that there were many highway accidents that resulted in deaths in Eastern Ontario in 2012. The highways that are under the Ontario Provincial Police’s watch went up by close to 1/3  last year, compared to 2011.  Accidents killed 73 people in the eastern Ontario area compared to 55 in 2011.  Last year was the highest rate of accident deaths since 2008.

Drinking and driving  was the cause of 9 deaths and improper seat belt use caused 16 deaths, That’s 25 AVOIDABLE deaths !  Reckless driving , driving too fast and not paying attention also contributed to many eastern Ontario accidents.

Our Ottawa personal injury lawyers work closely with families who have lost a loved one in an accident and are devastated.  Families would do anything to bring their loved one back to life and no amount of compensation can do that for them.  Ontario accident benefits pay for funeral expenses and loss of income etc, but can never replace a loved one.

Please be aware of your surroundings when driving.  If you are unsure of the roads, slow down and be extra cautious. Avoid distractions including loud music, devices that are not hands free etc.. We also need to remind our new young drivers about being responsible drivers and the best way to do so is by setting the best possible example we can as drivers.  I challenge each and every one of you to be the best driver you can possibly be, lower accident statistic and save lives. Thank you.

Compensation for wrongful death

If you have lost a loved one in an accident; we are sorry. Our personal injury lawyers can help get accident benefits for wrongful death. We are free to meet with you and walk you through your options and what benefits and compensation you are entitled to.  You have been though enough, let us help.

 


Ottawa Personal Injury Lawyers who offer free consultations…

Ottawa lawyers free consultations

You may have a small case and are thinking of handling it on your own and just need some basic information on how to deal with an insurance company.  A free consultation from an experienced Ottawa personal injury lawyer may be all you need.  Most experienced Ottawa personal injury lawyers offer a free consultaitons are are glad to help. They may even have formsavailable that you need instead of you going out and searching for them. The top Ottawa personal injury lawyers can also let you know if you have a case and what you might expect as a settlement from your insurnace company, so that you have an idea of what to expect when dealing with them.

Personal Injury Lawyer Ottawa

If  you suffered a more serious personal injury, it is always best for you to meet with an experienced personal injury lawyer before you decide which Ottawa personal injury lawyer you want to work with. Keep in mind that the next several months or years may be very challenging and you need to know that you can relate, approach and work well with your Ottawa personal injury lawyer.  As an Ottawa personal injury lawyer, I usually like to meet with new clients at the location of their choice, so I know they are comfortable.  I usually listen and gather the facts and then let them know what Ican do for them.  I often suggest they take sometime to think about their decision and then contact me when they are ready. I truly feel that this is the best approach for everyone involved. Throughout the process, I often also meet with accident victims family members.  These meetings are so important and valuable for everyone.

No matter what the severity of your personal injury, it is always best to consult with an experienced Ottawa personal injury lawyer before negotiating with your insurance company.  After all, it’s free to ask questions ! As one of the best Ottawa personal injury lawyers, I am pleased to offer free consultations. I offer my services in English or French and am happy to travel to meet you throughout Ontario.

 


Ottawa Lawyers: Have you been in an Ottawa Accident ? What you do to report an accident in Ottawa.

Ottawa Accident ? How to report an accident in Ottawa.

The Ottawa Police services has a comprehensive website with valuable information for Ottawa residents. I stumbled across their accident reporting information and thought I’d share it with you.

  • A police report is not required when damage to all vehicles is under $1,000.
  • If there are personal injuries and the vehicle(s) cannot be driven,  9-1-1 should be contacted.
  • If there are no personal injuries, but the vehicle(s) cannot be driven, call 613-230-6211
  • If the vehicle(s) can be safely driven and there are no personal injuries, drive all vehicles to the same Police Station and  file an accident report. Important to note: Accident reports cannot be taken over the phone.

The Ottawa Police Collision Investigation Unit …

is responsible for investigating all fatal and serious life threatening motor accidents.  They also investigate hit and run/ fail to remain accidents.

If in doubt call the police and ask them what to do.Your next call may be to an Ottawa personal injury lawyer. They can advise you whether or not you may need a lawyer and whether its best to let them speak with your insurance company.  Make sure to gather as much evidence as you can. Take pictures, write down the sequence of events in as much detail as possible.  Most of all, take care of yourself first. Ensure you are safe and that you are not injured. If you think you might be seek medical attention immediately. The rest can wait.

 


Ontario personal injury, What is a mediation? Ottawa injury lawyer explains…

Ottawa Ontario personal injury lawyer David Hollingsworth.. What is a mediation? How does a mediation affect an Ontario personal injury lawsuit?  Not all Ontario personal injury lawsuits get to the mediation stage.  Some may settle before that.  A mediation in an Ontario personal injury lawsuit is a step that both sides agree to take in order for a speedier resolution and hopefully have the Ontario personal injury lawsuit settle before going to court, which could take years.

In a personal injury mediation, both sides agree on using a mediator. The mediator’s job is to  help both sides come together and reach a settlement.  Mediators are neutral and are there to help both sides reach an agreement.  A personal injury mediation in Ontario is a step before court, whereby both parties can speak directly to one another and are really able to share with the other side what their needs are. It really is a very valuable part of the litigation process and typically results are fair.  Most accident victims find that because of the mediation process, they are able to avoid dragging out their personal injury case and avoid going to court. As an Ontario personal injury lawyer, I have found that almost all personal injury cases truly benefit from the mediation process.

Before going to the mediation, Ontario personal injury lawyers are required to prepare the mediator with the facts from their case.  Both sides will prepare their own version of this document known as a “mediation brief”. The mediator will typically begin the mediation by stating the facts, as they know them and then turn the floor to the  lawyers , who each get a turn to make their opening statements to both the mediator and the other side. In an Ontario personal injury case, the other side is the insurance companies’ lawyer; not the individual driver.

In Ontario, personal injury clients must be present at the mediation; however they are not required to speak. Their Ontario personal injury lawyer is there to represent them and speak on their behalf. Many accident victims like the fact that their lawyer speaks for them; while others do not.  At a mediation, the personal injury client is able to speak whenever they feel comfortable, they just don’t have to.  This includes answering any questions from the insurance company. The insurance company does not have their client there.  In fact, in most cases, the other driver is completely uninvolved in the lawsuit and has no idea as to what amounts or details there are in the case. The settlement cheque does not come from the driver, it comes from the insurance company. The insurance company also does not report back to the driver the amount that was reached at settlement.

Once all of the information has been presented by both lawyers; both sides will typically break off in separate locations to discuss freely and openly what offers they will accept and what offers they would like to make in the hoped of settling the case.  The mediator will flow back and forth between both rooms and offer counsel and suggestions to help both sides reach an agreement.

Most Ontario personal injury cases will settle at the mediation stage but not all do. In the case where it does not settle, the mediation process still helps forward the case along as both sides were able to share information and truly get a sense of where the other side is coming from. Sometimes, the mediation allows both sides to leave with some time to think about things and then over the course of the next little while, they are able to reach a resolution, as they have had some time to let things settle and they have had time  to simply think. And that is a good thing.

—-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. If you have a subject  you would like to know about or  if you have a question,  please call or email me: david@ottawainjury.ca (613) 978-9549

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What happens mediation? Ottawa personal injury lawyers, Ontario personal injury lawyers, Mediation process Ontario