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.

Ottawa woman receives injury compensation for slip and fall accident.

Slip and Fall Accident Lawyer Ottawa

Our slip and fall accident lawyers are proud to have been able to help another Ontario accident victim.  Last month, we help a 41 year old woman receive $125 000.00 in compensation for lower back pain and a bulging disk after she slipped and fell on private property.  We were able to step in for her and take over the claim with the insurance company who finally agreed to a much larger sum of compensation.  Although our client will continue to suffer from her personal injuries, she will be able to receive some medical support and financial compensation. Our client was so thankful for our help and we were pleased to be able to secure and exceed the compensation she was hoping for.

In Ontario, we have so many slip and fall accidents daily. Some have very few consequences and others have devastating personal injuries. Sadly, our climate  plays a huge role in Ontario slip and fall accidents.  We have very cold and extreme temperatures and consequently our roads, sidewalks and pathways are not always safe.  As a property owner it is your job to ensure your property is as safe as possible.  This means salting, clearing, mopping or whatever it takes to try to ensure that no one is at risk while on your property.

If you are unsure of your responsibilities as a property owner or if you have slipped and injured yourself and have a question, feel free to email me david@ottawainjury.ca

“We understand, we care and we’re here to help”

Ottawa lawyer David Hollingsworth explains maximum award for pain and suffering compensation in Ontario.

Ottawa Personal Injury Lawyer David Hollingsworth and Associates: lawyers for Ontario accident victims.

Compensation for Pain and Suffering in Ontario

Ontario Insurance. There are  two types of damage compensation in Ontario: pecuniary damages and non-pecuniary. Pecuniary damages can be calculated and non-pecuniary damages cannot be calculated.

Damages for Pain and Suffering in Ontario (Non-Pecuniary Damages)

Most serious accidents in Ontario result in personal injury and pain. There is the obvious pain suffered immediately following the accident, the pain following the treatment of the injury (ie surgery, physio etc..) and then there is the ongoing pain that can last for weeks, months, years or throughout one’s life following an accident.  In many cases, a serious injury may never fully heal, leaving accident victims with a life long pain problem. Thankfully the Ontario insurance regime  compensates accident victims for  pain and suffering.

In Ontario, the amount awarded for  pain and suffering varies depending on the situation. Some factors that help determine the maximum amount of compensation for pain and suffering are:

  • age
  • the severity of the injury
  • the length of time it should take the injury to fully heal
  •  treatment required to treat the personal injury (ie surgery required?)
  •  hospitalization?  rehabilitation? how long?
  • the physical and emotional damage that the injury has caused now and moving forward
  • pre-existing injuries

I will be honest, it is difficult to sue for pain and suffering after a car accident claim in Ontario. We have however had great success in helping our accident victims get the maximum amount of compensation for pain and suffering.

Nowadays,  in order to sue for pain and suffering, your injuries need to meet a legal threshold . The legal threshold must show a serious and permanent impairment of an important bodily function. This impairment can be viewed in many ways .  To keep things simple, it basically means that you cannot work, be a caregiver, or participate in normal activities of daily living as a result of your pain and suffering.

Also, to receive compensation for pain and suffering , your injuries must be permanent.  What makes this particularly difficult is the fact that it is sometimes tricky to show that an injury is permanent without waiting for at least a year after the accident . Accident victims are struggling throughout this year and it is difficult to try to rebuild a new life without knowing what lies ahead.

In order to claim compensation for pain and suffering in Ontario, the personal injuries suffered in or after the accident must be proven to the courts,should the insurance company try to deny compensation. Unfortunately, in most cases, that’s exactly what they will try to do. As an Ottawa personal injury lawyer, I find this to be so disturbing as often times people with “invisible” injuries are the people who need the compensation the most .That is why I take all pain and suffering claims in Ontario very seriously. I see how much pain people are in and how they have lost their everyday life to an accident.  I do everything I can to really help these accident victims.

Ontario Insurance: Pain and Suffering Claims Deductible

Not only to pain and suffering claims need to be a specific threshold in Ontario, the Ontario government has also legislated that they surpass a $30,000 deductible for pain and suffering claims. Sadly,what this translates to for accident victims is that they do not receive the first $30,000 in compensation; however, this  deductible does not apply to injury claims where the pain and suffering damages exceed $100,000. As an experienced Ottawa personal injury lawyer, this is where I can truly help. The system is not fair and that is why experienced personal injury lawyers can make all the difference.

If you have suffered and are continuing to suffer from an accident, we can help you.  You are not alone. Our dedicated team of Ottawa personal injury lawyers can help you get through these difficult times. We know you need financial compensation,as well as emotional.  We have all the resources you need are we are here to help.  For more information ,visit us at www.ottawainjury.ca



Ottawa personal injury lawyers get 64 year old woman compensation for chronic pain and psychological issues

Maximum compensation for pain and suffering in Ontario…

Compensation for Chronic Pain Injury

As Ottawa personal injury lawyers, we were very pleased to have been able to help another Ottawa accident victim get the help and compensation she needed following a serious accident.

Accident Scenario:

“BH” was 64 years old at the time of her accident. She was rear ended by another car and didn’t see it coming. The result was drastic.

Injuries Resulting From Accident:

BH suffered very serious and permanent injuries including chronic pain and psychological injuries. Her life had changed drastically.

Compensation For Chronic Pain Injuries and Psychological Injuries:

BH’s tort claim alone settled out of court for $285 000. The Ontario Accident Benefits side of her file is ongoing and she continues to receive all the accident benefits she needs each month . We are so pleased to be able to help her throughout these very difficult days in her life.

Our Ottawa Personal Injury Lawyers Can Help You:

Our lawyers were very successful in  securing maximum compensation for pain and suffering, despite these injuries being difficult to prove.  We have many systems in place and work with some of Ottawa’s top medical professionals for pain and suffering. We are able to help our clients seek medical treatments and appointments with specialists that they really need to recover. We understand that accidents can be life altering and can sometimes bring on a lifetime of pain and suffering.  Our personal injury lawyers will work with you , your family and your medical team to make sure you are not only getting maximum compensation for pain and suffering, but the support you need to start rebuilding your life.

We are Ottawa personal injury lawyers who devote ourselves to helping Ontario accident victims.  Unfortunately insurance companies won’t always be the ones to tell you your rights and what you are entitled to and that’s where we can come in. We are some of Ottawa’s top Ottawa Personal Injury Lawyers . We know exactly what you are entitled to and we will get it for you.  The last thing one needs after an accident is to be worried about dealing with an insurance company that may be looking out for their own interests.

For more information that relates to chronic pain compensation or compensation for psychological injuries visit our website. Our Personal Injury Lawyer Ottawa team are experienced and can offer you free advice.

*Past results are not necessarily indicative of future results and that the amount recovered and other litigation outcomes will vary according to the facts in individual cases.

Ontario Accident Benefits and Income Replacement Benefits , Ottawa lawyer David Hollingsworth

Ontario Accident Benefits: Income Replacement Benefit

Are you entitled to Income Replacement Benefits ?

If you suffer personal injury and are unable to work, you may be entitled to income replacement benefits through your Ontario accident benefits. Income replacement benefits in Ontario are partial compensation and are only available if you cannot fully return to work because of the injuries caused in the accident.   

What are the criteria for income replacement benefits ?

Income replacement benefits are only available to accident victims who were employed at the time of the accident or depending on the circumstances,  during the year before the accident. Typically, income replacement benefits are paid out every 2 weeks and partially cover any lost income as the result of an Ontario accident. Income replacement benefits are typically paid up to 104 weeks after it is identified that the injury has prevented a return to work.

What must be established to receive income replacement benefits?

To receive income replacement benefits in Ontario, it must be established that the injured suffered physical or psychological impairments as a result of the accident and that they are unable to work. You must also establish that you were employed or self-employed at the time of the accident or that you worked at least 26 of the 52 weeks prior to the accident. In certain cases, income replacement benefits can also be collected if the injured was collecting Employment Insurance (EI) benefits at the time of the accident.  

When can you start collecting income replacement benefits ?

After the first week of your disability you can begin to be compensated.

How are income replacement benefits calculated?

Income replacement benefits are calculated by taking 70% of your gross income, minus income replacement assistance payable from other sources (employer), to a maximum of $400 per week. If you continue to qualify for income replacement benefits after 104 weeks, your minimum weekly income replacement benefit then drops to $185.

Is there extra coverage for income replacement benefits?

Hopefully you opted for additional coverage. Yes, this is an added expense, but an expense that pays off , should you need it. Additional income replacement benefits pay up to $600, $800 or $1,000 per week , depending on when you purchased your additional coverage.

Can I receive income replacement benefits if I am self-employed?

If you are self-employed at the time of your accident, income replacement benefits are based on income earned in the past 52 weeks; or the last fiscal year completed prior to the accident.

Can I receive income replacement benefits if I am unemployed?

If you are unemployed at the time of the accident and receiving Employment Insurance benefits, or had been working at least 26/52 weeks before the accident, the income replacement benefits are based on income earned in the 52 weeks before the collision inclusive of your Employment Insurance benefits.

Can I receive income replacement benefits if I am over 65 years old?

If you are over the age of 65, income replacement benefits are paid up to 208 weeks. If you turn 65 while receiving income replacement benefits, the benefit is converted to a lifetime pension at a reduced rate.

The laws surrounding income replacement benefits in Ontario can be confusing. It is always best that you consult an Ottawa personal injury lawyer to answer any questions you may have. 


Perth accident Highway 7 results in death and personal injuries.

Lanark Accident

Sadly, a Perth , Lanark area woman died after her van was struck pulling out of a driveway on Highway 7 yesterday.  Lanark police reported that the terrible accident happened at around 4:30 p.m. Lanark police reported that a pickup truck was westbound on Highway 7, close to Gamles Side Road,  just 10 km west of Perth, when it collided with a van that was coming from a driveway. The driver of the van, an 80 year old woman from the Perth sadly died at the accident scene. The driver of the truck , a 49-year-old man from Oakville Ontario, was thankfully uninjured in the Lanark accident; however, 2 of his passengers were: a 48 year old woman and a young teenage girl. Both injured passengers were rushed to the Perth Hospital by ambulance with personal injuries. Two other girls were in the truck but thankfully were uninjured. Ontario Police are investigating the accident.  My thoughts go out to the 2 injured victims and the friends and family of the deceased 80 year old woman…

Accident Lawyer Lanark, Ontario…

Losing a loved one in an accident is devastating.  A sudden loss leaves you wondering where to start and what to do without a loved one.  There are many immediate expenses that pop up and need to be covered.  Our Ottawa personal injury lawyers are here to help. We travel daily throughout eastern Ontario to meet with families who need some help either accessing funds to cover medical treatments or who need funds to cover funeral expenses and other expenses related to losing a loved one. We understand that families are mourning and are not usually in the right head space to be filing paperwork and negotiating with insurance companies.  We can help by relieving families of some of these stresses and allow them to focus on bonding with their friends and family and sending loved ones off in a proper manner.

Accident Benefits Compensation for Wrongful Death

Most insurance policies in Ontario have accident benefits for wrongful death.  Our Ottawa personal injury lawyers can walk you through the benefits and compensation available. Losing a loved one is difficult,  we understand and we can help.




Accident Highway 17 results in wrongful death, Ottawa lawyer David Hollingsworth

Ottawa Injury Lawyer David Hollingsworth.. A terrible accident on Highway 17, north of Renfrew has left one woman dead and others with injuries. Highway 17 was closed between Haley Station and Cobden, from Cheneaux Road to Forresters Falls Road. The deadly accident involved 3 vehicles  on Highway 17 yesterday morning.  The Ottawa accident occurred when a dump truck was travelling west on the highway and hit the back of a transport truck, which spun into the eastbound lane, and tragically crashed head-on into a car around 7:30 a.m, killing the female driver. The cause of the accident is unknown and investigators are trying to determine why the dump truck was unable to stop. If you have any information related to this terrible accident, please contact the Ottawa police.

—-The Ottawa Ontario Injury Lawyer  Blog is written regularly by Ottawa injury lawyer David Hollingsworth. The Ottawa Injury Lawyer and Accident Blog reports on accidents in eastern Ontario, Ottawa accidents, personal injury, local Ottawa news and events and various news that relates to Ontario insurance, Ottawa, accidents, wrongful death and personal injury. Visit  www.ottawainjury.ca for more information.

Ottawa accident Vanier parkway results in serious personal injuries to 4 accident victims.

Ottawa Personal Injury Lawyer David Hollingsworth…An Ottawa accident on the Vanier Parkway at Queen Mary resulted in severe personal injuries to 4 people. 2 people were so severely injured they needed to be rushed  to the Trauma Centre at the Ottawa Civic Hospital. The Ottawa accident involved 8  vehicles  in a head-on crash.  Two of the injured accident victims needed to be removed with the aid of Ottawa rescue crews.

Four people suffered personal injuries in the Ottawa accident and were  rushed to an Ottawa hospital in stable condition.  A 24-year-old man suffered serious personal injuries to his stomach and back.  A 49-year-old man had his ankle broken along with other injuries to his chest. A 44-year-old woman suffered injuries to her stomach and had a serious abrasion on her leg. Lastly, a 41-year-old woman had a severe abrasion on her leg. Ottawa Police are investigating the cause of the accident. If you have any information, please contact the Ottawa Police.   I wish everyone involved in this Ottawa accident a speedy and hopefully full recovery if possible.

—-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. 

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Ottawa accident Vanier Parkway and Queen Mary, Ottawa accident june 16

Ottawa Personal Injury Lawyer David Hollingsworth on CTV television.

Ottawa Personal Injury Lawyer David Hollingsworth..I am often invited by CTV to appear on their show as an legal expert in the Ottawa community. I was fortunate enough to appear on CTV this week.  I was on air with Leanne Cusack taking calls that relate to Ontario laws and personal injury.  For those of you who missed it and want to watch, it is being aired on the CTV website. Please fell free to send me any further questions you may have and I would be happy to answer them…

—-The Ontario 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. 

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Ottawa personal injury lawyer David Hollingsworth on CTV television, Ontario personal injury lawyer David Hollingsworth

Ontario Accident Benefits? Compensation? Do you need an Ontario personal injury lawyer?

What are accident benefits?car accident

Chances are unless you’ve been in an Ontario car accident , you do not know and may never need to know what accident benefits are.  Did you know that you’re entitled to benefits regardless of who caused the car accident? Are you aware of all your accident benefit entitlements? If you or a loved one has been injured in a car accident, it’s important to know and protect your rights.

How can a personal injury lawyer help with accident benefits?

In Ontario, victims of motor vehicle accidents can obtain accident benefits through their own Ontario insurance company. Ontario law states that an accident victim needs to file an Application for Accident Benefits within 30 days of the Ontario car accident. Once the claim has been filed, there are several steps that need to be followed in order to ensure that you receive the maximum compensation you are entitled to.  The process is complicated and stressful and unfortunately it comes at the worst time in your life; after an accident.  You are suffering from your injuries and are faced with some complicated paperwork.  A good Ontario personal injury lawyer can help you right from the start by helping you navigate the complicated and arduous process of filing an Ontario Accident Benefits claim and ensure you are properly covered and compensated for moving forward.  Good personal injury lawyers will facilitate the process from start to finish and work with your Ontario insurance company to ensure your rights are protected. You could be entitled to Income Replacement Benefits, Housekeeping, Attendant Care Benefits, Medical and Rehabilitation Benefits, and possible more.

David Hollingsworth has a team in place that help his clients solely with their accident benefits applications.  He and his team immediately put accident victims at ease by removing a huge and stressful burden allowing them to focus on what they should be focussing on; themselves, their recovery and their family.  If you have suffered from an Ontario car accident, call David  for a free consultation and an explanation of the Accident Benefits system, even if you’ve already submitted the Application for Accident Benefits; he would be happy to discuss your ongoing claim with you and share his insights with Ontario personal injury law and accident benefits compensation.

Alexandria, Arnprior, Belleville, Brockville, Clarence Creek, Cornwall, Embrun, Gananogue, Hawkesbury, Kemptville, Kingston L’Orignal, Mississippi Mills, Morrisburg, Napanee, Navan, North Gower, Pembroke, Perth, Peterborough, Picton, Prescott, Renfrew, Richmond, Russell, Smith Falls, Vankleek Hill, and Tweed Ontario Accident Lawyer David Hollingsworth…