Ontario accident benefits and indexation. Should you purchase additional accident benefits?

Ottawa Insurance Claims Lawyers David Hollingsworth

In September 2010, The Ontario government through the Financial Services Commission of Ontario made significant changes to Ontario insurance plans. Not only did FSCO significantly reduce the accident benefits available to Ontario drivers, it introduced a 2 tiered approach for Ontario drivers. All Ontario drivers are required to purchase insurance.  How much insurance you purchase is up to you.

Top up accident benefits

There are several “top ups” that can be purchased in the event that you or a loved one is in an accident in Ontario. Indexation is an additional Ontario accident benefit that can be purchased. This optional benefit provides for an automatic adjustment over time of several  different accident benefits including income replacement benefits, medical and rehabilitation benefits, attendant care benefits and other Ontario accident benefits.  The indexation of these accident benefits is determined by the changes in inflation based on Consumer Price Index of Canada.​ Basically, it’s an extra insurance policy that ensures that your benefit dollars keep up with the times.

Accident Benefits and Indexation

In other words, a dollar today is not going to be worth what a dollar tomorrow will be worth. As an Ottawa personal injury lawyer, I know how important Ontario accident benefits are to my clients.  Often times, people are unable to return to their previous life before the accident and are left with their insurance claim and accident benefits to carry them throughout the rest of their lives. I know that Ontario insurance premiums are already very high, so paying even more is frustrating; however, if ever you need to access these accident benefits, you will need them.

Our personal injury lawyers are constantly meeting with people who regret not having “topped up” their insurance coverage.  It’s a personal decision and not a decision that should be taken lightly.

Something to think about…

 

 


What do I do at the scene of a motor vehicle accident ? What should I do after the motor vehicle accident ?

What do I do at the scene of an accident ?drivesafely

DO: Remain at the scene of an accident.

  • Call the police and advise of the nature of injuries suffered at the scene of an accident.
  • Provide the following information: your name and address, your vehicle permit number, and the name and address of the owner of the car (if it is not your car).
  • Get the names, address, phone number, vehicle permit number and insurance information from the other driver(s) involved in the accident.
  • Get the names, address, and phone numbers of any witnesses who saw the accident.
  • Write down anything anybody says about how the accident happened.
  • Tell the police officer if you think another driver is under the influence of alcohol or drugs.

DO NOT:

  • Move the vehicles, or any debris, unless they are a potential hazard to other motorists; or
  • Sign documents or discuss the accident with anyone but the police.

What should I do after I’ve been at the scene of an accident ?

DO

  • When you get to the hospital or to your home, you should call your insurance agent immediately.  If you do not have your own insurance you may be entitled under someone else’s policy or through the Ontario’s Superintendent of Insurance through the Motor Vehicle Accident Claims Fund.
  • Make an appointment with your family doctor or attend a walk-in clinic.
  • Take photographs of any damage to your car, truck, bicycle or motorcycle.
  • Contact a personal injury lawyer.
  • If you have any visible injuries, take photographs of these injuries.  Also take photographs of any damaged clothing or belongings.
  • Contact your employer or school and advise them that you were in an accident.
  • Consider your needs for specialized equipment and home modifications.
  • Keep a detailed record of all medications taken, assistance received from family, friends or professionals, all rehabilitation or doctors’ appointments, progress or development in physical, psychological or mental injuries, and all out of pocket expenses including parking, wheel chair rental, ambulance bills etc..
  • Comply with all requirements of the Accident Benefits.
  • Let your personal injury lawyer assist in completing the Accident Benefits forms.

DO NOT

  • Provide any statements to your insurance company until you have consulted with a personal injury lawyer.

If you have any questions at all that relate to personal injury and accidents, please don’t hesitate to contact an experienced personal injury lawyer as soon as possible.

 


Ottawa slip and fall accident ? Ottawa lawyer David Hollingsworth-questions..

Ottawa Ontario slip and fall lawyer David Hollingsworth explains the dangers and factors involved in a slip and fall accident in Ontario.

With respect to compensation, a slip and fall victim’s eligibility will vary depending on the circumstances of the injury but overall, the fall accident will be similar to all Ontario personal injury claims. Namely, this means that your recovery may account for medical bills, wage loss, pain and suffering, and your potential for future medical expenses.
You are generally advised to visit a top Ottawa slip and fall lawyer such as David Hollingsworth as soon as possible after your injury to avoid limitations periods and the chance to secure and protect your interests. Similarly, you are advised to meet with a lawyer before meeting with an insurance adjuster, who may wish to settle quickly and for less than you deserve. Such adjuster’s attempt to establish if there was an injury, your role if any in the injury, and any prospective settlement that could be procured, often immediately. Questions from such adjusters can be very specific and it is best to speak with a lawyer such as David Hollingsworth to protect and safeguard your interests before signing any document. You do not want to lose out on what you deserve.

The responsibility for the injury can depend on the situation of your fall, and the idea of a “hazardous condition”, which relates to the situational potential for personal injury. Hazardous conditions can be temporary (such as the integrity of an easement or ice on a sidewalk), or permanent (property owners are held liable for permanent conditions since they are expected to have knowledge about their nature). The nature of your injury and the context of the slip and fall will determine who is responsible, whether it may be a property owner, a commercial enterprise, or some other individual. The key is to visit someone who is competent and experienced in dealing with such matters, as soon as possible so that valuable evidence is not lost and your position is secured to advance your claims so that you may receive the maximum possible compensation and support for your injury.

People claim slip and fall accident injury compensation each week. If you suffer from a personal injury due to a slip and fall accident, you need compensation and you owe it to yourself to see just how much you might be entitled to receive. Visit www.ottawainjury.ca for a free consultation or call 613-978-9549. Ottawa slip and fall accident personal injury lawyers, David Hollingsworth


Slip and Fall Injury ? Compensation ? Ottawa Accident Attorney explains…

Ottawa slip and fall lawyers – Personal Injury Attorney David Hollingsworth explains the dangers of snow and ice that may be the cause slip and fall accidents in Ottawa and slip and fall accidents in eastern Ontario.

Ottawa Ontario Slip and Fall Accidents

Ottawa slip and fall lawyers – Personal Injury Attorney David Hollingsworth explains the dangers of snow and ice that may be the of cause slip and fall accidents in Ottawa and slip and fall accidents in eastern Ontario.

How to Safely Counteract Environmental Hazards: Avoiding Slip and Fall Accidents

There are many things that you can do to help prevent injury to you or your loved ones. Slip and fall injuries occur all the time, and they can happen anywhere (especially where you least expect them to occur), so it is important to be careful about where you walk and step at all times. However, there are certain circumstances where you can expect a higher rate of prospective injury, such as in conditions of ice and show during the colder months of the year. Proper footwear and clothing can help you feel more comfortable when you are out and about – and better able to deal with a circumstance if it occurs. Any shoes with good grip will help you to avoid black ice, and other situations where a slippery surface disguises itself as safe terrain to tread upon. Reflective clothing will ensure that vehicles will provide for adequate clearance to pass by you on the slipper and ice-covered roads. Personal injury for you could include broken bones, brain injury or neck injury, head injury, spinal cord injury, paralysis, and even death. “Slip and fall accidents happen in a split second and are often preventable,” says David Hollingsworth, Ottawa personal injury lawyer, Ottawa slip and fall accident lawyer. Regular snow removal, ice removeal, icing, and sanding can help to provide for a more safe condition to walk and play for you and your children in and around your community. Ice and snow are considered hazards that property owners can be found liable of if negligent in their lack of attention to a proper environment. Please ensure that you are doing your best to safeguard your interests and to protect yourselves from the risk of personal injury and harm. “If you suffer a slip and fall injury , try to document it as soon as possible,” advises Top Ottawa Personal Injury Lawyer David Hollingsworth, Ottawa slip and fall attorney. Such documentation could include a picture of where accident occurred, highlighting how the snow and ice buildup may have caused the slip and fall accident.

Ontario Personal Injury

If you have suffered a personal injury due to a slip and fall accident, visit www.ottawainjury.ca for more information or call 613-978-9549. David Hollingsworth, Ottawa slip and fall accident lawyer has helped many slip and fall accident victims get the compensation they needed. He can also help you! Free consultation.