What are Ontario Accident Benefits ? Are family members entitled to accident benefits?

Ontario Car Insurance Claims and Accident Benefits. Who can access Ontario benefits?

Statutory Accident Benefits (SABS) are provided by law in every Ontario auto insurance policy. All Accident Benefits are standard and equal among insurance companies, unless you opt for “top up” coverage. Ontario  Accident Benefits provide compensation, regardless of who is at fault, for drivers, passengers, pedestrians and family members who suffer personal injury or death caused by an accident in Ontario or any accident if you are a resident in Ontario. The following accident benefits are the standard Ontario Accident Benefits and are available to most accident victims in Ontario:
  • Income Replacement: Just like it says…the income replacement benefit compensates  for lost income/wages.
  • Non-earner benefit: The non-earner benefit applies when you are unable to carry on a “normal life” and do not qualify for either an Income Replacement benefit or Caregiver benefit.
  • Caregiver benefits: Compensation for expenses incurred when a member of your home needs care and someone is hired to care for them because you no longer can.
  • Medical benefits: Covers medical expenses that occurred as a result of the injury.
  • Rehabilitation benefits: Covers rehabilitation expenses incurred as a result of an injury.
  • Attendant Care benefits: Covers some of the expense incurred by hiring an aide or attendant.
  • Compensation for Other Expenses: These accident benefits pay for some expenses such as monies put out by family members costs in being with you during visitation and recovery. Often times some housekeeping and home maintenance is also covered , as well as lost or damaged articles during accident. ie: computer in car etc…
  • Death benefits: Family members may collect this accident benefit on behalf of a deceased family member.
  • Funeral benefits: These accident benefits help cover funeral expenses.

There are many more Ontario accident benefits available to Ontario drivers.  If you are unsure of whether or not you are receiving everything you are entitled to from your Ontario insurance company, it is best you consult with an Ontario injury lawyer.  We meet daily with people and walk them through their best options. Often times all they need is a little advice.  Unfortunately most insurance companies will not tell you unless you ask and most people don’t know what to ask for.  We know Ontario accident benefits inside and out we have experienced staff who specialize in Ontario accident benefits.  We can help.


Ontario Accident Benefits Lawyer, Limitations and Compensations

Ontario Accident Benefits Lawyer, David Hollingsworth…

accident benefits insurance

Obtaining a Ontario personal injury lawyer after an accident in Ontario is important to protect your rights and ensure you receive ALL the compensation you are entitled to.  The province of Ontario has many time limitations  when it comes to seeking compensation for personal injuries due to a motor vehicle accident and other Ontario accidents. Often times, just figuring out if you need a Ontario personal injury lawyer is your first concern after a Ontario a car accident, bicycle accident, motorcycle accident, or slip and fall accident.

When you have been involved in a Ontario accident and you would like to pursue applying for Ontario accident benefits compensation from your insurance company, you are responsible for notifying the insurer within a reasonable timeline, usually 7 days of the date of the Ontario accident. In some cases the personal injuries you suffer  may be so serious that you are unable to apply for Ontario accident benefits within the 7 day grace period, in which case you must do it asap. Once the insurance company has sent the accident benefit  forms you will then have 30 days from the point you receive the accident benefit application to return the forms back to your insurance company. If you fail to meet these timelines, don’t worry- all is not lost as long as there is a reasonable excuse for the forms being returned late.

Ontario Insurance Act

The Ontario Insurance Act states the following; when attempting to obtain compensation due to loss, damage from bodily personal injury or wrongful death arising from the use or operation of an automobile the plaintiff (injured party) must present written notice to start a lawsuit against the defendant within 120 days of the Ontario accident and a law suit can not be started after 2 years  of the original claim .

Recovery after a traumatic personal injury can be a very complicated and stressful  time and a top personal injury lawyer can help you through difficult times, helping you with medical reports, insurance adjusters and complicated insurance forms.