Injured in a car accident and need treatment?  You have access to accident benefits through your insurance…

Mon, January 04

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.

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