How to start a personal injury insurance claim in Ontario and initial OCF forms to be completed.

Ottawa Injury Lawyers David Hollingsworth.

Being in an accident can be devastating.  You may have been severely injured or even lost a loved one.  In most cases, life may never be the same again.  Often times, it is difficult to know where to start to begin your new life , without your loved one or your new life with serious injuries.  The important thing is that you do start to rebuild your life and return back to your life as best as possible.  Depending on the severity of your injuries and the particulars of your accident, you may or may not require the assistance of a personal injury lawyer.  Regardless, you should at least consult with an experienced personal injury lawyer  and discuss the details of your accident and let them advise on how best to proceed.  Most experienced personal injury lawyers offer free consultations, so you have nothing to lose.  It is always best to make these important decisions with as much information possible.
When we meet with our personal injury clients, we offer to have our Ottawa injury lawyers or accident benefit specialists fill out all Ontario accident benefits forms.  This is certainly something one can do for oneself; however, we feel that after an accident, our clients have enough on their plates.  They are often unable to return to work right away, are stressed and the last thing that should be on their minds is complicated paperwork.  We offer to either sit down with our injury clients and complete the paperwork with them, or we can simply do it for them.  Some of the initial OCF forms that need to be completed are the following:
Initial Ontario Accident Benefit Forms OCF forms ….
  • Application for Accident Benefits OCF-1 form
    • This form needs to be filled out when initially applying for benefits, following a motor vehicle accident in Ontario.  This completed form commences the Ontario accident claim.
  • Employer’s Confirmation of Income OCF-2 form
    • This form needs to be filled out if you are claiming Income Replacement Benefits.  This form must be filled out by you and your employer. If you have had multiple employers in the past 52 weeks, you may need to complete several OCF 2 forms.
  • Disability Certificate OCF-3 form
    • This form needs to be filled out to prove your injuries. The OCF 3  form is  filled out by yourself and your health practitioner.  Along with your health practitioner, you will be required to describe your injuries following your accident.
  • Permission to Disclose Health Information OCF-5 form
    • This form needs to be filled out to process your Ontario insurance claim. This form allows the insurance company to  obtain any previous medical information.

There may be other OCF forms for you to complete . If you are unsure of which forms to complete or how best complete any forms, it is always best to consult an experienced Ottawa personal injury lawyers. For more information on Ontario accident benefits, visit our website at https://www.ottawainjury.ca/insurance-claims

Feel free to also contact us for a free consultation.  Our Ottawa injury lawyers can be reached by phone, email or in person.  Visit our website at https://www.ottawainjury.ca for more information on how to contact us for a free consultation.


Are you part of the Ottawa community? What you can do to reduce the number of Ottawa accidents each year. Lawyer David Hollingsworth asks for your help.

Accidents at Schools

I am once again asking all drivers to think about their driving and the decisions they make behind the wheel each day. I am thrilled to share with you that the Ottawa Police are focusing on school bus and school zone safety this month in the Ottawa area. Over the last few years, 9 people suffered personal injury in 41  schools zone accidents.  These accidents were avoidable.

Another area of focus this month for Ottawa drivers will be to reduce the number of drivers making unsafe lane changes. There have been over 5500 Ottawa accidents in the last few years that were caused by unsafe lane changes. These Ottawa accidents resulted in 4 deaths and over 600 people suffering personal injuries.  Again, these are accidents that can be avoided ! Ottawa police are working hard at lowering accidents in Ottawa with the end goal of  preventing or eliminating deaths and serious personal injuries. As an Ottawa community, we all have our part in reducing the number of Ottawa accidents each year, especially school accidents. Let’s all work together.

Our Ottawa personal injury lawyers have helped many people work through their options following an accident on school property or on a school bus. Sadly, accidents at schools happen regularly and children suffer serious injuries.  You owe it to yourself and especially your child to meet with one of our personal injury lawyers experienced in child injury. We can sit down and walk you through your options free of charge so that you can make an informed decision on how best to proceed with a child injury on school property. Our personal injury lawyers can also help you meet with some of the top medical professionals in the Ottawa area when it comes to child injuries.  Let us get your child maximum compensation and let yourself focus on your child.


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.

As a property owner, there are many things you need to be aware of to protect yourselves and your guests. Our lawyers are happy to sit with you or chat by phone and just walk you through some of the basic steps you should take to protect yourself. 

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 injury lawyers help 74 year old man after US bicycle accident.

Have you been involved in a US Accident?

Our Ottawa injury lawyers were thrilled to be able to help a 74 year old client last month. Sadly, he was riding a bicycle in the United States  when he was hit by a car.  Thankfully,  he was ok but he did suffer a fractured pelvis and a left tibia fracture. We were able to help him and negotiated on his behalf with the insurance company.  We were able to get him support and compensation as well as $107 500.00 for what he had been through. Our client was so thankful and we were happy to help.

Accidents that take place in another country can still receive compensation.  Many people are unaware that an Ontario personal injury lawyer can pursue a claim on their behalf. While accidents in other countries sometimes complicate a claim, experienced personal injuries lawyers know exactly what to do.

This is just one of many cases we were able to settle last month.  We have built such an incredible team of injury lawyers, paralegals and personal injury specialists that we are able to help hundreds of personal injury clients each year.  We have over 20 years of experience in Ontario personal injury law.We are fortunate that we are the ones who provide “good news” after a terrible and tragic event. Our clients have all been so wonderful and appreciative along the way.  We really do understand and care.  It’s our job as Ottawa personal injury lawyers to help make things better and we do.  If you want to ask us ANY question that relates to personal injury, Ontario insurance, Ontario accident benefits or accidents in general, we are here for you.  Email me david@ottawainjury.ca

David Hollingsworth, Personal Injury Lawyers in Ottawa -We understand, we care and we are always here to help ..


Ottawa lawyer David Hollingsworth offering safety driving tips for icy roads.

Ottawa Accident Lawyer

.I was up bright and early this morning taking our kids to hockey.  I knew it had rained last night but I had no idea when I hit Ottawa streets how slippery they were.  As I pulled into the arena parking lot, my vehicle slid sideways down a hill.  Thankfully it was 6:30 am (yawn) and the lot was empty. I was driving very slowly and paying close attention to the road conditions, yet at that very moment, there was nothing else I could have done.  I was sliding on ice . Be careful out there on Ottawa roads. It is extremely slippery out there today. The Ottawa Police Service have provided excellent safety tips to drivers who encounter freezing rain.

-Clear all ice and snow off your vehicle to avoid any ice and snow dislodging and flying onto other vehicles.

-Allow yourself distance between vehicles. Especially when the roads are icy, you need enough distance to stop. Also it allows time to react if ice and snow is flying off other vehicles.
-Be aware that other vehicles may loose snow and ice on them. Often times, transport trucks have ice and snow on the roof of their trailers.
-Always slow down when the roads are icy.
-Allow yourself more time to arrive safely to your destination.
-Ensure your vehicle is ready for winter. Ensure you have winter tires, proper windshield wipers.

Here are a few more tips I have to offer:

  1. Make sure tries have good grips: Always best to have proper winter tires installed.
  2. Make sure you can see. Make sure blades, windows and headlights are properly functioning and clean.
  3. Run the air-conditioner. This removes condensation and frost from the interior of windows.
  4. Check your lights. Ensure they are clear of snow and working.
  5. Know how to use your brakes. If you find yourself sliding on ice,use your antilock brakes: Stomp, stay and steer. Stomp on the pedal . Stay with the pedal. Steer around the obstacle.
  6. If your car is not equipped with ABS, do not panic. Push the brake pedal hard until the wheels stop rolling, then immediately release the brake enough to allow the wheels to begin turning again. Repeat this sequence rapidly.
  7. Be careful. Look for “black ice. Touch your brakes regularly enough to test for black ice.
  8. Know the tough spots.  Bridges and intersections are common places for ice to form.
  9. Too much steering is bad. In most cases, over steering will always make the situation worse. While it may be instinctive to steer away from the obstacle as hard as you can you may make things worse. If the icy conditions end and the front tires regain grip, your vehicle will go in whatever way the wheels are facing, which could be very dangerous (oncoming traffic , hydro poles or traffic).

All in all, common sense and good driving habits are what will help you the most. Sometimes, despite this accidents will happen as we cannot control everything around us. Please drive safely out there.

 


Ottawa Injury Lawyer David Hollingsworth: How to prevent a slip and fall accident.

Slip and Fall Accident Lawyer

Good morning Ottawa ! It is cold out there today and very slippery. There is a layer of ice on the ground and its hard to see , as last night’s snow is covering the ground.  This is typically when slip and fall accidents happen. With the holidays here we are all out just a little more, shopping and visiting with others and often we are carrying bags or presents. This, coupled with our weather conditions contribute to a higher incidence of slip and fall accidents.  Slip and fall accidents  in Canada makeup more than 50% of all personal injuries . Slip and falls accidents are the primary cause of accidents in hotels, restaurants and public buildings such as shopping malls.

As a property owner, it’s also important that you keep your property as safe as possible. This means keeping your walkways and steps clear of ice.  Property owners have a “duty of care” to see that their property is reasonably safe.  This not only means ensuring steps and walkways are cleared away in a reasonable manner, it also means  your home doesn’t have structural defects, hazardous conditions have been addressed.

Yes, accidents do happen but many accidents are preventable. There are things you can do to lower your risk of a slip and fall accident such as watching for ice, wearing proper footwear, walking slowly, keeping your hands free in case you do fall.

Common Slip & Fall Injuries include:

slip and fall accident

Our injury lawyers help with:

  • Fractures
  • Back Pain
  • Broken Bones
  • Brain Injury
  • Degenerative Disc Disease
  • Arthritis
  • Carpel Tunnel Syndrome
  • Bulging Discs
  • Soft Tissue Injuries
  • Pain and Suffering
  • Spinal Injuries

Although a slip and fall accident doesn’t seem as serious as a car accident, some injuries are more serious and can leave an individual with a lifetime of pain and a decreased quality of life. Some people suffer such serious injuries from a slip and fall accident, that they are unable to return to work.

Financial compensation for slip and fall accidents

If you have suffered from a slip & fall accident you may be entitled to maximum compensation for your pain and suffering, loss of income and health costs, depending on whether or not you are able to establish negligence.  This is where our Ottawa personal injury lawyers excel. We have helped thousands of people and we can help you with your slip and fall accident and make sure you are well taken care of now and in the future.

Ottawa Slip and Fall Accident Lawyer Free Consultations

 


Ontario Accident Benefits Forms Disability Certificate OCF-3 , Ontario Insurance Claims Forms

What is an OCF-3 Disability Certificate?

If you have been injured in an accident in Ontario, you will likely need medical help and you may even need legal help.  Your insurance company is often one of the first calls that get made.  Typically, your insurance company will start your claim by sending you a package to complete.  In this package, you will be required to fill out many detailed forms. These forms are extremely important and often are of great importance when it comes time to settling your case.  That is why it is so important to make sure they are filled out correctly. Insurance companies can deny a claim if there is misleading information on the forms.

OCF 3: Disability Certificate

One of the first forms to fill out is the OCF 3; otherwise known as the Disability Certificate  OCF-3. The OCF-3 Disability form needs to filled out by you and your health practitioner (this could be your chiropractor, dentist, occupational therapist, nurse practitioner, optometrist, physician, physiotherapist, occupational therapist, psychologist or speech language pathologist). Your insurance company  will pay for the completed OCF-3. There is no expense charged to you.

Ottawa Insurance Claims Lawyer

If you or a loved has been injured in an Ontario car  accident and you are  applying for Accident Benefits, you must fill out a Disability Certificate. Your doctor will need to fill out a Disability Certificate  OCF-3 from your insurance company. The OCF-3 Disability Certificate form can be found at the  Financial Services Commission of Ontario site. The manner in which this is filled out is extremely important. It is important to be completely honest with your doctor and have your doctor fill out the form in as much detail as possible. It’s important to include all personal injuries on the form, including psychological injuries, any mental injuries, emotional injuries etc.. Be as detailed as possible.  The last thing you want is to be suffering from an injury down the road and have the insurance company deny your claim because you didn’t give all the information at the time of the accident. You may need therapy later on and not know it at the time of your injury. Somethings to keep in mind…

Have you been previously injured in an accident? Do you suffer from pre-existing conditions ? Some pre-existing conditions could affect the outcome of your claim. Your doctor needs to be extremely thorough. What other injuries does your doctor suspect go along with your injury? Do you get headaches? Are you having trouble with bright lights, loud noises? Are there  neurological injuries? Areyou having concentration difficulties? Do you feel pain anywhere else? This all needs to be documented on your Disability Certificate  OCF-3 form.

Where an Ontario Injury Lawyer can help with a Disability Certificate  OCF-3 form. 

Some of the OCF-3 Disability Certificate is fairly standard. You need to complete  your name, date of birth, gender, address, and employment status.

Another section of the Disability Certificate OCF-3 requires you fill out all insurance information. If you were a pedestrian at the time of the car accident,  you are required to fill out the insurance information of the other driver that hit you. This information can also be found on the Police Report. If  neither drivers or accident victims have insurance there is a special fund set up by the government called  Motor Vehicle Accident Claims Fund. It is difficult tobe considered for this fund and it would be best if you ge the help of an Ontario injury lawyer when making a claim to the Motor Vehicle Accident Claims Fund.

The most difficult section of  the Disability Certificate OCF-3  is the third section . It is in this section that accident victims must fill out the details of the car accident and indicate what personal injuries resulted from the accident. You need to make sure that all the information provided in this section is the same information given in your police report. Take your time and fill it out careful.  It is always best to consult with your Ontario injury lawyer to make sure you do not write anything that might jeopardize your case.

The next section of the Disability Certificate OCF-3 form is the section that requires you to enlist the help of your family doctor, surgeons, therapists, physiotherapist, psychologist, speech language pathologist, or any other health care professional listed on the form OCF-3.  Not only do they need to identify your injuries, they also need to give an opinion on your recovery status.  Your health professionals must decide if you are capable to return to work and day in/day out activities. This is particularly challenging as often only time will tell in these situations.

Filing out complex insurance forms can be very difficult and stressful.  It shouldn’t be ! You are already dealing with enough. As some of the most dedicated Ottawa personal injury lawyers, we  help all of our personal injury clients fill out these forms correctly, so as not to jeopardize anything .  There is far too much at risk and we want to help.  We can help.If you have a question,or would simply just like some help filling out your Disability Certificate OCF-3, we would be happy to help. We won’t charge you. These are forms we fill out every day and it is far easier for us to do, than for you to do.  Let us help you and you can focus on your recovery. Feel free to call us at (613) 978-9549 or email david@ottawainjury.ca

 

Ottawa Accident Lawyer: Important timelines when filing an insurance claim after an accident.

Accident and Insurance Timelines

Ottawa Insurance Claims Lawyer David Hollingsworth. Anyone can get hurt in an accident at any given moment. It happens so quickly and the after effects can be devastating. In Ontario, there are certain timelines that need to be adhered to make an insurance claim as easy as possible, following an accident. If you or someone you love has been injured in an accident, these timelines need to be adhered to as best as possible.

First and foremost, if needed seek medical attention immediately and ensure that your health needs are being met.

Within 7 days of your accident, it is crucial…
That you or a loved one notifies your insurance company of  the accident.

Within 30 Days of your accident, it is crucial…
That you make an application for accident benefits.

Within 2 Years of your accident, it is crucial…
Your personal injury lawyer files a tort claim against the party who is at fault for the accident. This in turn, makes a claim against the insurer if you are denied accident benefits from your own insurance company.

As an Ottawa personal injury lawyer, I know that the days immediately following an accident, it is difficult to start making claims and filling out applications.  That is why it is best to contact an Ottawa personal injury lawyer and let them do this for you.Your job is to recover .  Their job is to help you.  I can’t tell you how much stress is immediately relieved when I tell my clients in the initial meeting. “Don’t worry, we can take care of this for you.” I can immediately see it in my clients faces and bodies.

There are certain exceptions to these timelines; however they are rare.  If you happen to fall into this category, it is best you consult with a personal injury lawyer and let them look into it for you.

For more information visit www.ottawainjury.ca

 


What are the signs and symptoms of a concussion? Ottawa lawyer David Hollingsworth

Ottawa Personal Injury Lawyer…What are the signs of a concussion?  There are many different signs and symptoms of a concussion. Some are obvious and others  subtle.  Some conscussion signs may appear immediately and others may not be for days or even months. 

The most common signs of a concussion are headache, amnesia, confusion or loss of consciousness.

Other signs and symptoms of a concussion include:

  • headache or pressure in the head
  • slurred speech
  • loss of consciousness
  • confusion
  • nausea
  • vomiting
  • fatigue
  • no recollection of event
  • dizziness or blurred vision
  • “ringing” in the ears

Often times, after an injury signs appear later on. Often times people with a concussion may exhibit:

  • difficulty with concentration and memory
  • irritability and personality changes
  • eyes and ears are sensitive to light and noise
  • difficulty sleeping
  • depression
  • tastebuds and smell are off

Symptoms of a child concussion
Head trauma or concussions are particularly hard to identify in young children,  infants and toddlers because they have difficulty communicating how they feel.

Typical signs of a concussion in a child

  • tires easily
  • irritable or cranky
  • loss of appetite
  • trouble sleeping
  • uninterested
  • loss of balance

It is always best to have your child checked by a doctor if you suspect they may have a head injury.  Because their skulls are so soft and developing, there is a greater chance of a severe head injury occurring.  If your child is alert, moves normally and is able to respond, the head injury is probably mild and typically will heal.  If this is the case with your child and they are tired it’s OK to let them sleep. If worrisome signs develop later and you are worried, then bring them immedicately to your doctor or emergency facility.

Bring your child immediately for emergency help if you suspect a head injury and they are exhibiting the following signs:

  • vomiting
  • continued persistance of a headache
  • changes in behavior displaying irritability
  • changes in physical coordination, including stumbling or clumsiness
  • confusion: does no’t know day,events etc…
  • slurred speech
  • dilated or uneven pupils
  • difficulty breathing
  • lasting or recurrent dizziness
  • discharge from nose or ears
  • large head bumps or bruises
  • loss of consciousness ( more than a minute)
  • repeated vomiting
  • seizures
  • symptoms that worsen over time

Concussions and sports injury
If you have injured yourself and suspect you have a head injury , you should absolutely allow yourself to rest. Avoid playing sports or vigorous activity while signs or symptoms of a concussion are present. It is recommended that people who suspect they have a concussion should return to their sporting activity until a doctor has given them the “green light”.

—-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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Signs of a concussion, symptoms of a concussion, head injury signs


Are Ontario accident benefits available to snowmobile accidents? Ottawa lawyer David Hollingsworth explains.

Ontario Snowmobile Accident Lawyer, Ottawa Injury Lawyer David Hollingsworth..The weather we have been getting here in eastern Ontario has left many snowmobilers and ice fishing enthusiasts in a dangerous position.  It seems as though one day, mild weather is on it’s way and the next we are hit with 15 centimetres of snow.  What concerns me as an Ontario injury lawyer is how dangerous it can be out there on the ice. The most obvious snowmobiling rule is to never cross water as there are no guarantees that ice is thick enough to support a human or a motor vehicle such as a snowmobile. Ice is always dangerous and could break open at any point. I would caution everyone to stay clear of frozen water it is absolutely certain it is safe.  

Snowmobiles have  far less traction for starting, turning, and stopping on ice than they do on snow. It is always best to travel at slower speeds, allowing a snowmobile driver to keep better control  and  fast stop on shorter notice. Trying to stop a snowmobile that is travelling at higher speeds typically results in spins, which are not only dangerous but can be fatal. For best control, it is best to drive your snowmobile from a seated position.

Snowmobile accidents on Ontario lakes are far too common.  Most Ontario lakes are flat, wide open areas, but they are not free of obstructions. Remember, if you can ride and turn in any direction while operating on a lake, so can other snowmobile riders. That means that another driver could appear out of nowhere. A snowmobile accident could happen at any time.  Although there are many head on snowmobile accidents each year in Ontario, drowning is a leading cause of fatal snowmobile accidents. To be safe, it’s always best to wear a floatation snowmobile suit and ride with ice picks.

What to do if you fall through the ice..

If the ice breaks and you fall through the ice, try to stay calm. Place your arms out  in front of you on the outer unbroken ice . Try to kick your feet to propel yourself up onto the ice. Keep doing so until the ice stops breaking.  If you don’t have an ice pick, use anything sharp such as keys or a knife to help dig into the ice and give you a grip. Don’t remove your gloves. Once you get up onto the  ice, crawl away from the hole. Absolutely do not stand up until you are safely far away from the hole as standing up increases the chances of the ice cracking.

A snowmobile is considered to  be a motor vehicle. All snowmobiles must be registered, no matter what they’re used for or where they’re used.  Safety is so important to enjoying snowmobiling. Each year, many accidents happen that are completely preventable,  causing needless death and injury each year.

If someone you know or if you have been injured in an Ontario snowmobile accident, you many be entitled to Ontario accident benefits through your own insurance. If you have not insured your snowmobile, you may still be entitled to Ontario accident benefits.  There are options out there and help for you. Consult an Ontario personal injury lawyer to discuss how you can get some help.