Ontario insurance accident benefits claims: Can a relative make a claim on my insurance?

Ottawa Insurance Claims Lawyers David Hollingsworth

Is everyone entitled to an insurance claim?

Yes, any person injured in an automobile accident in Ontario can make an insurance claim. This includes claim their relatives and/or dependents.

Are there any restrictions on making an insurance claim in Ontario?

There are some limitations to their insurance claim if one has broken the law during the accident in Ontario. If this is the case, they cannot receive income replacement benefits, visitors expenses, non-earner benefits, lost education expenses, expenses of visitors and the housekeeping and home maintenance benefits.

What happens if the injured does not have insurance ?

The person injured may claim these benefits from their own insurance company. If they do not have an insurance company, they can claim it at the driver at-fault’s insurance company. If none of the persons involved have insurance, the claim can be made through the Motor Vehicle Accident Claims Fund.

Who can help me with my insurance claim?

Regardless if you have been at fault or not or have insurance or not, we can help you. There are options. We understand the stress you are going through and can help. Our Ottawa personal injury lawyers have been helping people with their insurance claims since 1999.

Contact one of our Ottawa lawyers for a free consultation and help with your Ontario accident benefits insurance claim.

 

 


Ontario injury lawyer: What does an Ottawa personal injury lawyer do ?

Ottawa Personal Injury Lawyer David Hollingsworth…What does an Ottawa personal injury lawyer do?

Ottawa personal injury lawyers help Ontario accident victims and their families get the help, support and compensation they need following an accident in Ontario. An Ottawa personal injury lawyer not only represents and negotiates for you when it comes to your insurance claim, they also help in rebuilding lives after an Ontario accident. The best Ottawa personal injury lawyers work closely doctors, social worker and the entire rehabilitative team to ensure that accident victims have the best possible recovery. An Ottawa personal injury lawyer can help refer accident victims to specialists and help locate resources in the community.

As an Ottawa Personal Injury Lawyer, I specialize in the following areas:

Ontario Spinal Cord Injury, Ontario Brain Injury, Ontario Amputation Injury, Ontario Head Injury, Ontario Whiplash Injury, Ontario Slip and Fall Accidents, Ontario Wrongful Death Accidents, Ontario Accident Benefits Insurance Claims, Ontario Orthopedic Injury, Ontario Broken Bones Accidents, Ontario Catastrophic Injury, and Ontario Traumatic Injury.

If you or a loved one has been injured in an Ontario car accident, there is help and support available to you.  You do not have to do this on your own. Contact an Ottawa personal injury lawyer for help.


Ottawa Personal Injury Lawyer David Hollingsworth:What are income replacement benefits ( IRB ) ?

Ottawa Personal Injury Lawyer David Hollingsworth, Ontario Injury Lawyers, Income Replacement Benefits..Often times  after suffering a personal injury in a motor vehicle accident you may not be able to return to work right away. You also may not be able to provide for yourself and your family. Depending on the severity of your personal injuries, you may not be able to work for a few days, maybe a few months or perhaps even longer.  This is very stressful and this is where income replacement benefits comes in.

What are Income Replacement Benefits?

Income Replacement benefits are available to Ontario personal injury victims who were employed or self employed at the time of the motor vehicle accident in Ontario  and who, as a result of the personal injuries sustained in the Ontario accident, “suffer a substantial inability to perform the essential tasks of their employment”. This is the definition that applies for the first 2 years following a car accident in Ontario.

Following 2 years after an Ontario accident, it changes and becomes much more difficult to qualify for income replacement benefits. To continue to qualify for income replacement benefits, Ontario accident victims must  have “a complete inability to engage in any employment or self-employment for which they are reasonably suited by education, training or experience.”

How much do Ontario accident victims get for Income Replacement Benefits?

The amount of income replacement benefits received depends on a number of different factors such as one’s income before the accident.  As well as whether or not you opted to purchase additional accident benefits.

  • For motor vehicle accidents occurring after September 1, 2010, the amount of the weekly income replacement benefits is based on 70% of your gross weekly income before the accident, subject to the maximum amounts.
  • Under the standard accident benefits limits, the maximum weekly amount payable for the first 2 years following the accident in Ontario is $400 per week
  • No income replacement benefits are payable in the first 7 days following an Ontario accident
  • Optional accident benefits limits increase the maximum weekly amount to $600, $800 or $1,000 per week

How to apply for income replacement benefits…

In order to receive income replacement benefits,  Ontario accident victims  need to submit a completed

  • Application for Accident Benefits.
    •  OCF-10  Election of Income Replacement, Non-Earner or Caregiver Benefit
    • OCF-3 Disability Certificate
    • OCF-2 Employer’s Confirmation

    If you have been involved in an Ontario car accident and are unable to work, you most likely qualify for income replacement benefits. It is important that before you fill out the associated accident benefits forms that you contact an experienced Ontario personal injury lawyer .  The best Ontario personal injury lawyers not only will help you fill out these forms, they will ensure that it is done in a manner that  gets you maximum benefits support.

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    The  Ottawa Injury Blog is written regularly by Ottawa Ontario injury lawyer David Hollingsworth. Since 1999, David has been an Ontario personal injury lawyer representing Ontario accident victims who have suffered a personal  injury 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

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    Ontario Personal Injury Lawyer David Hollingsworth, Income Replacement Benefits, Ontario Accident Benefits


    Personal Injury Insurance Claims, David Hollingsworth- Ottawa Personal Injury Lawyer

    Ottawa Ontario Personal Injury Lawyer David Hollingsworth. Ontario Accident Benefits Insurance Claims in Canada If you are injured as the result of an Ontario accident you are entitled to make a personal injury claim and receive certain accident benefits. A top Ontario personal injury lawyer can help you maximize your accident benefit and ensure that you are receiving everything you need not only now but in the future. The following is a list of Ontario accidents benefits to which you may be entitled.  It is important to also know that even if you do not have your own car insurance, you can still be entitled to receive compensation through a fund set up by the Ontario government that supports Ontario accident victims with no car insurance.  Again, a top top Ontario personal injury lawyer can help you set this up and get you maximum compensation for your personal injuries.

    Income Replacement Benefits

    Non-Earner Benefit Caregiver Benefits

    Medical Benefits

    Rehabilitation Benefits

    Attendant Care Benefit

    Maximum Medical Rehabilitation & Attendant Care Benefits

    Payment of other Expenses

    Death Benefits Funeral Expenses

    Optional Benefits

    If you need more information regarding personal injury lawsuits in Ontario or Ontario accident benefits, please don’t hesitate to call one of the best Ottawa personal injury lawyer at 613-978-9549