Ontario Accident Benefits Insurance Compensation. Which optional benefits should you purchase?

Ontario Accident Benefits Insurance Claims David Hollingsworth Personal Injury Lawyers.   The Ontario insurance regime is one of the most complicated insurance regimes in North America. When it comes to car insurance, you certainly don’t want to scrimp but you always don’t want to pay extra money if it’s not needed. Sadly, when it comes to choosing optional accident benefits, many people will automatically settle for basic coverage.  As an Ottawa personal injury lawyer, I can tell you, this may be a huge mistake.

Now, the truth is hopefully you will never need to access your accident benefits .  Great !  If you do however get injured in an accident, you may find yourself unable to work, injured, in a home that needs modifications and that’s when you want to make sure you have access to as much accident benefits compensation as possible. Sadly, most people don’t really know what their accident benefits insurance coverage is until they really need it.

A basic auto insurance policy in Ontario contains far less accident benefits coverage than a policy where the “top-ups” have been purchased.  Along with this decrease in benefits comes a decrease in yearly premium payments.  Many will opt for this.   I would caution you not to. I urge everyone to speak with their broker and find out what optional benefits are available to you and at what cost.

For instance the Medical and  Rehabilitation Benefits jump from $100,000 to $50,000 or possible even $ 3,500 if you have purchased the optional benefit.

If you purchase additional accident benefits, you can be entitled to Housekeeping Benefits and Caregiver Benefits , which have been eliminated in the basic policy.

Attendant Care Benefits are another optional benefits that can be purchased and allow you to have access to $72,000 instead of  $36,000. You may have access to additional accident benefits through your work and in this case may not require purchasing additional accident benefits.

It’s important to know what options you have and choose what’s best for you and your family.  Another important piece of information you need to know is that if you have more than one vehicle, you only need to purchase these additional accident benefits for one vehicle only.

In my opinion, the top up amounts are well worth it.  An average vehicle can purchase most additional accident benefits for under $200 a year.  That $200 a year translates to a significant amount of money if you need, when you really need it. I cannot tell you how many personal injury cases I have settled where people have given additional much need funds and they are so thankful that they purchased those additional accident benefits. Talk to your broker about what options you have and what accident benefits are available to you. To read about some of the accident benefits settlement amounts we’ve secured for our clients visit http://www.ottawainjury.ca/cases


Eastern Ontario highway accidents increase in 2012. Ottawa lawyer David Hollingsworth

Accidents resulting in death

Statistics reported in the Ottawa Citizen today revealed that there were many highway accidents that resulted in deaths in Eastern Ontario in 2012. The highways that are under the Ontario Provincial Police’s watch went up by close to 1/3  last year, compared to 2011.  Accidents killed 73 people in the eastern Ontario area compared to 55 in 2011.  Last year was the highest rate of accident deaths since 2008.

Drinking and driving  was the cause of 9 deaths and improper seat belt use caused 16 deaths, That’s 25 AVOIDABLE deaths !  Reckless driving , driving too fast and not paying attention also contributed to many eastern Ontario accidents.

Our Ottawa personal injury lawyers work closely with families who have lost a loved one in an accident and are devastated.  Families would do anything to bring their loved one back to life and no amount of compensation can do that for them.  Ontario accident benefits pay for funeral expenses and loss of income etc, but can never replace a loved one.

Please be aware of your surroundings when driving.  If you are unsure of the roads, slow down and be extra cautious. Avoid distractions including loud music, devices that are not hands free etc.. We also need to remind our new young drivers about being responsible drivers and the best way to do so is by setting the best possible example we can as drivers.  I challenge each and every one of you to be the best driver you can possibly be, lower accident statistic and save lives. Thank you.

Compensation for wrongful death

If you have lost a loved one in an accident; we are sorry. Our personal injury lawyers can help get accident benefits for wrongful death. We are free to meet with you and walk you through your options and what benefits and compensation you are entitled to.  You have been though enough, let us help.