If you or a loved one has been injured in an automobile accident in Ontario, you are most likely looking into what coverage you have through your insurance company.
In Ontario, accident benefits are available to Ontario drivers. Whether you are at fault or not in the accident, your Ontario insurance policy will provide you with certain accident benefits. One accident benefit that you may need is Caregiver Benefits. If before your accident you were providing full-time care to dependants and you no longer can as the result of your automobile accident, you may be eligible for caregiver benefits in the instance that you need to hire someone to step in, take over and care for your dependants. The maximum amount for caregiver benefits is $250 each week for one dependant, and another $50 each week for each additional dependant.
Catastrophic injury and caregiver benefits
The caregiver benefits are available to catastrophically injured accident victims. In the event that you have suffered a serious injury but are not deemed to be catastrophically injured ,you may still access caregiver benefits if you have purchased the “top up” and extended your accident benefits coverage. These additional accident benefits are optional benefits and may not be for everyone.
As an Ottawa personal injury lawyer, I meet with people everyday who have purchased the additional accident benefits and have had to use them. In a time of need, they can make all the difference. If you are wondering whether or not you can receive these accident benefits, give us a call and we can help you figure it out. After an accident, figuring out your best options in Ontario accident benefits is the last thing you need. It’s time to focus on yourself, your family and recovering. You owe it to yourself.
Ontario Accident Benefits Caregiver Benefits
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 firstname.lastname@example.org
Calculating Accident Benefits Compensation
What is the maximum amount of Accident Benefits Compensation?
ACCIDENT BENEFITS SETTLEMENT
Experienced injury lawyers in Ottawa and top Ontario personal injury lawyers can help you navigate your insurance claim and calculate your accident benefits. Among other things, you need to consider the type of damages you are entitled to. If the personal injury or the accident you have gone through has made you miss work, then you are most likely entitled to claim your lost wages or compensation, including long-term disability.
Lost wages, however, are one among a variety of factors that need to be considered in the calculation of your accident benefits settlement. For example, you also need to consider any property damages incurred, family or social expenses, emotional or psychological trauma, as well as any medical expenses incurred due to your physical injury and trauma. A top Ottawa or Ontario personal injury lawyer will have the experience to help you maximize your prospective accident benefits settlement.
Experienced Ottawa personal injury lawyers have the knowledge, “know-how” and experience to help you calculate the highest amount of accident benefits compensation that you deserve. Your top Ottawa injury lawyer will make sure that you receive as much as possible, with the least amount of hassle. It is not wise for a victim of personal injury to attempt to manage his or her own claim. The potential to lose out on what you deserve is too high. Most important of all, however, is your physical and psychological health, which can be affected by the stress and fatigue of a legal battle on your own. Let an experienced Ottawa injury lawyer help you to get what you rightfully deserve.
PERCENTAGE OF LIABILITY
The “computation of settlement” is the percentage of fault. This is another important element of the legal process to consider. Basically, your top Ottawa personal injury lawyer will need to prove that 100% of the accident was caused by the negligence of the other accident victim. In some cases, however, the victim has played some part in the accident and if this is the case, each party is responsible for some percentage of fault. Your top personal injury lawyer will ensure the protection of your interests to safeguard against losing what you deserve.
The fault percentage influences the ultimate “numbers” of the financial settlement. When the percentage of fault is settled, then it is possible to begin computation of the accident benefits settlement. For example, if the amount of damage, including disability, lost wages, and so, amounts to $1000 and the fault of the victim is 30%, then the accident settlement will be $700 (the $300 or the 30% would be deducted from the total damage since it would be deemed to be the fault of the victim). A top Ottawa personal injury lawyer will be able to get you the least amount of fault percentage as possible.
HOW TO GET THE HELP YOU NEED
If you have suffered a personal injury as the result of an accident or if you know someone who is, it is best that you consult a personal injury lawyer in Ottawa or a Ontario personal injury lawyer as you are likely entitled to accident benefits that you are not currently receiving. Unfortunately your insurance company may tell you.