OCF 6 Form and Ontario Accident Benefits

What is an OCF 6 Form ?ocf form

The importance of properly filling out the OCF 6 form when applying for Ontario Accident Benefits.

If you have been injured in a motor vehicle accident in Ontario, chances are you will need support and compensation.  This support and compensation comes from insurance. Ontario Accident Benefits can also cover many expenses, supports and treatments. Ontario Accident Benefits can also cover lost wages. There is a section under Ontario Accident Benefits that are considered to “Other Expenses”. To apply for compensation for these benefits, you must complete and a detailed OCF-6 form, otherwise known as an “Expenses Claim Form”.

It’s important you try as best as possible to properly and completely fill out this form. If in doubt, consult with an experienced personal injury lawyer.  At our firm, we have staff dedicated to filling out Ontario Accident Benefits Forms and can help.

Take your time filling out an OCF 6 Form

It’s important to really take your time when filling an OCF-6 Accident Benefits form.  Keep a close track of lost income and other financial losses. When filing an OCF-6 Accident Benefits form remember that insurance companies are going to ask for proof. You will be required to show proof of your losses in the form of original bills and receipts. It’s important you ask for a receipt for everything you are going to claim under your insurance policy. It’s also a good idea to keep a copy of all your receipts, bills and documents and keep a copy for your records.

Know to ask for an OCF 6 Form

The OCF 6 form is not included in a“basic” Accident Benefits Application Package. Obtaining an Accident Benefits package is simple. Once you contact your insurance company, they will send you a package in the mail and you must complete it and send back within a timely manner. Be sure to ask for an OCF 6 Form as well if you have incurred other expenses. Alternatively you can download OCF Forms here.

Other Expenses refers to additional expenses that are deemed “reasonable and necessary.” These expenses must be directly related to your accident. It’s important to be honest.  Falsifying an Accident Benefits application is a serious offense under the Ontario Insurance Act. No one wins with insurance fraud. There may be some expenses that are covered in other sections of your Ontario Accident Benefits.  Even if an expense is covered under another benefit or insurance policy and you aren’t sure whether or not to submit it, consult your personal injury lawyer or include it and let the insurance adjuster will look at it and determine what is covered

Examples of other expenses that may be covered on an OCF 6 Form:

“Other Expenses” may include a variety of expenses as long as they are directly related to your accident.  For example, typical expenses that are often included on an OCF 6 form include:

  • Visitors’ travel expenses such as hotels, taxis, parking, flights
  • Housekeeping and home maintenance costs. This is an optional benefit that you have hopefully purchased
  • Caregiver benefit: Another optional benefit which you have hopefully opted for and purchased
  • Lost, damaged clothing and personal items such as eyeglasses, hearing aids, dentures and so on
  • Prescriptions, ambulance bills and personal belongings
  • Assistive devices such as walkers, crutches, prostheses and wheelchairs
  • Lost educational expenses such as tuition, fees

We have a team of lawyers and Accident Benefits specialists dedicated to helping you with your Accident Benefits.   We can help you complete your OCF 6 forms and help you by ensuring your application is complete.  There are many expenses that are covered that most people do not know about. We do.

Let us help you with your OCF 6 Form

If you would like help with your OCF 6 Form, contact one of our personal injury lawyers or accident benefits specialists free of charge and we can help you.


Ottawa Injury Lawyer on what are timelines, cut off dates and statutes of limitations after an an accident in Ontario.

Ottawa Insurance Claims Lawyers

What are the timelines or cut off points for filing a personal injury law suit or making an insurance claim after an accident in Ontario? The timelines or cut off dates are known as statutes of limitations in Ontario for a car accident. If you or a loved one has suffered personal injury in an Ontario accident there is a 2 year period whereby you must start your personal injury claim.  If you miss this 2 year mark, you may not be entitled to compensation from your insurance company, if you have been paying your premiums along the way.  This situation often occurs because people do not realise the extent of their personal injuries until long after their accident. There are however some exceptions to this rule.

Statutes of Limitations for Insurance Claims

The Ontario Limitations Act is complex; however it does take special circumstances into consideration.  As an experienced Ottawa personal injury lawyer, I have had success in the past where I have been able to help clients get compensation , even though they did not start their insurance claim before the statute of limitations. I’m not recommending you wait until the 2 year mark , as it is always best to consult with an Ottawa personal injury lawyer right away and let them at least start the claim. If you are unsure of what to do, consult with an experienced  injury lawyer and they can let you know what your next steps are.
 
Our lawyers are here for you. We offer free consultations and can walk you through the Ontario Accident Benefits and what you are entitled to.  We have Ontario accident benefit specialists who can also fill out the paperwork for you and make sure that you receive all the benefits you are entitled to and make sure the paperwork is filed correctly and in a timely manner.  You’ve been through enough, now let us help you.

 


Ottawa accident electric bicycle results in serious head injury and leg injury.

E-bike Accidents

Is an e-bike considered to be a motor vehicle?

No, to operate an e-bike:

  • a driver’s licence is not required
  • there is no written test required to operate an e-bike
  • there is no vehicle registration or plate required for an e-bike
  • there is no motor vehicle liability insurance required
  • to operate, ride or be a passenger on an e-bike you must be older than or 16 years of age
  • requires drivers and riders  to wear an approved bicycle/ motorcycle helmet.

If you have been injured in an e-bike accident, you may be entitled to accident benefits as a cyclist would be . Regardless of whether or not you have your own insurance policy you have rights as an e-bike rider and passenger should you be in an accident. Our personal injury lawyers travel throughout Ottawa and eastern Ontario offering free consultations and helping people determine what their options are in a personal injury lawsuit.

In most instances, the initial meeting is simply a meeting to share the details of your accident and the extent of injuries. This information is enough for experienced personal injury lawyers to provide your with the insight you need and give you all the information regarding your personal injury lawsuit and the amount of personal injury compensation you might be entitled to.

If you have any questions, contact a personal injury lawyer to discuss what Ontario accident benefits you may be entitled and how to receive maximum compensation for your injuries. There are many areas involved in accidents and insurance claims. E-bikes are relatively new to the laws and it is critical that anyone driving an e-bike, as well as their family members , are informed as to how it works when it comes to insurance and accident claims. It’s not always clear and best that you sit with an experienced lawyer and allow them to walk you through it all. 

 

 

 


Changes to Ontario insurance rates may result in lack of insurance for personal injuries, Ottawa Lawyer David Hollingsworth

Ontario Insurance Claims Lawyer, Ottawa Personal Injury Lawyer David Hollingsworth

IMPORTANT TIPS FOR YOU AND YOUR FAMILY RE: ONTARIO’S NEW AUTO INSURANCE RATES

Hello everyone, I would like to share a quick note with you regarding Ottawa’s new auto insurance policy and what it will mean for you and your family, which is set to change for September. I am urging all my family and friends to be careful not to blindly accept the lowest possible Ontario auto insurance coverage just to save a few bucks – get the facts to be informed!

THE FACTS

Basically, the new policy acts to lower the minimum required rehabilitation coverage in our province by 50%, from $100,000 to $50,000. Furthermore, your coverage for the treatment of minor injuries now has a cap of $3,500. Settling for the new basic insurance package could mean that you or your loved ones are left to suffer after a personal injury in our province, without the adequate rehabilitative services that you will require. There could be a slight dip in auto insurance rates for some drivers when the new rates kick in, but depending on how, where, and why you drive (and who insures you), the average decrease in Ontario auto insurance will be somewhere in the realm of 0.01% to 7%. This means that you could see no change at all in your rates, but would still lose out on important features that would protect you in the event of an auto accident – a time when you will require as much help as possible to help you in your recovery.

$3,500 CAP for “MINOR INJURIES”.

The cap of $3,500 is not adequate in any way to deal with the majority of minor personal injuries, especially given that so called “minor” injuries can become worse over time. The new policy defines minor injuries to include such things as a sprain, strain, whiplash, contusion, abrasion, laceration, partial dislocation of a joint or organ and any pathological condition resulting from a personal injury. This list is not inclusive enough to include many coverage benefits that you will require and I would recommend to you that you read your terms carefully to ensure that you can keep the current accident benefits, because although you will be paying a bit more, it will act to protect you by safeguarding your interests. I estimate it would cost approximately $150 more per year on a one-driver, one-vehicle plan, depending on the insurance company. If you consider the benefits this is a good choice, because even though it seems like you’re paying a bit extra of your hard earned cash, consider the enormous costs of treatment you would lose out on if you experience personal injury from an auto accident and are left to handle all the financial costs for yourself. Drivers in Ontario with an existing policy will receive the same coverage after September 1st, until that policy expires. Those are the facts to consider. Ultimately, my hope is that you and your family will continue to be safe and will have the coverage that you need if you are ever involved in the unfortunate circumstance of an auto injury.  Please be safe and take care.

Ottawa personal injury lawyer David Hollingsworth has been dedicated to helping Ontario accident victims and their families get the support and help needed for their personal injuries. With over a decade of experience, David has forged strong relationships with medical doctors, social workers, psychologists, occupational therapists, physiotherapists, other treating health practitioners and the support network involved with his clients. David is happy to discuss all Ontario accidents and can help  determine what one needs and is entitled to when rebuilding a life after an accident, free of charge 613 978-9549 or 613 237-4922 ext 203 or visit www.ottawainjury.ca for more information.