Often described as “No Fault Insurance Beneﬁts,” all insured drivers in Ontario, and many others as well, can access Accident Beneﬁts if they are injured in a motor vehicle accident that occurs in Canada, or in the United States of America. As per the no-fault insurance system, each driver’s insurance company handles their claims, regardless of who was found to be at fault for the accident.
Any individual injured in an accident may access Accident Beneﬁts through their own automobile insurance policy as an insured person. Accident Benefits are also available to relatives/dependents who have sustained psychological trauma. Accident beneﬁts include medical and rehabilitation beneﬁts, attendant care beneﬁts, income replacement, non-earner and caregiver beneﬁts, housekeeping and home maintenance beneﬁts, death beneﬁts, funeral beneﬁts, as well as beneﬁts for payments of other expenses. We can check your policy and let you know what you are entitled to receive for treatment.
The overarching benefit of the no-fault insurance system is that it greatly simplifies the addressing of claims. Accident beneﬁts are available to every person injured in a motor vehicle accident as well as their relatives/dependents who sustain psychological trauma, regardless of whether the injured person was at fault for causing the accident. However, there may be some limitations applied to the accident beneﬁts available in certain circumstances, including when a person is convicted of driving while impaired or when a person is involved in an accident while driving without a valid driver’s license. Such limitations, usually referred to as “exclusions of beneﬁts,” are best discussed with a personal injury lawyer.← View All Posts