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Although Accident Benefits are often linked with Personal Injury, they are not the same.
Accident Benefits can help an injured person cover a wide range of expenses that come with being in a collision.
Should you be the automobile driver, a passenger, a pedestrian or a cyclist, you may be eligible for Accident Benefits. Our experienced and compassionate paralegal services team is ready to assist you so you can focus on recovery.
Simply put, a good paralegal knows how to deal with insurance companies and can help you get the maximum allowable from your claim. As concerned intermediaries, they have the knowledge and experience important to understanding the entire process, what has to be communicated and what documentation (and supporting material) is required unique to each individual claim. With a paralegal you get less push back, and in the event that your claim has already been initiated and your benefits terminated, we can review your file to evaluate its potential for re-instatement. We also have all the information required for a personal injury (or TORT) claim and we have a team of trusted lawyers we can refer you to should you wish to take your claim to the next step.
If you or a family member has been hurt in a motor vehicle accident you may be entitled to compensation. Most insurance policies allow accident benefit claims (also known as statutory accident benefits or no-fault benefits). Here are some examples of conditions that may qualify you:
Under Ontario law, Accident Benefits may be awarded for any of the following:
A paralegal can advise you in a number of different capacities including, but not limited to:
There are numerous options available to those who have been injured or wronged, so knowing your rights and what is worth pursuing will give you the edge.
Here are some specifics to consider:
Income Replacement Benefits (IRB)
If your ability to make a living is seriously compromised in the first 104 weeks, you are entitled to 70% of your gross income with a maximum of $400 per week and depending on the specifics of your insurance policy; thereafter, benefits may continue for as long as you are disabled.
Medical & Rehabilitation Benefits
Regulations dictate that up to a fixed maximum of $3,500 under the minor injury guideline may be permitted, including assessment and examination costs. The same applies for non-minor injuries (up to a maximum of $65,000 combined for attendant care and medical and rehabilitation) and catastrophic injuries (up to a maximum of $1,000,000 combined for attendant care and medical and rehabilitation). There are many details in addition to these that your paralegal can discuss with you.
If your injuries prevent you from carrying on any semblance of a normal life you are entitled to up to $185 per week after the first six months.
These are for catastrophic cases only, normal policies do not include them.
Housekeeping & Home Maintenance Benefits
For those unable to maintain their homes due to catastrophic injury up to $100 per week may be available.
Attendant Care Benefits (for personal care)
For those who require it, up to $3,000 per month is available for non-catastrophic injuries (up to $36,000) to a maximum of five years and only as long as you are medically eligible, and up to $6,000 per month for the duration of the victim’s life if injury is catastrophic ($1,000,000 max).
Lost Educational Expenses
Benefits up to a maximum of $15,000 may be available, subject to meeting certain criteria, for injured persons who have lost educational expenses. This may include tuition, books, equipment, room and board and other related expenses.
Benefits of $25,000 may be available for the spouse of the victim; for their dependents, $10,000; to the person upon whom the victim was dependent, $10,000 and up to $6,000 for funeral expenses.
These may possibly apply to family members of those living with the accident victim if their visit is intended to support their treatment or recovery and in other specific instances.
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