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Nov 21, 2016 in News Accident Benefits Claims

Accident Benefits Claims: Accident Benefits & Driving without Insurance

Although the government insists that our insurance rates are going down we are all quite aware that this is not the case. Regardless, when you own an automobile in Ontario it is mandatory to have it insured. But what happens when someone decides not to insure their vehicle, or to purchase a fake pink slip, or to not pay their premiums and let their policy lapse?

Driving without insurance is simply a bad idea on all fronts. However people may be surprised to learn that even when you drive without insurance your accident benefits are not totally barred.

Section 31 of the Statutory Accident Benefits Schedule (SABS) outlines that when a person drives without insurance they will not be entitled to the following benefits:

  1. Income Replacement Benefits; or
  2. Non-Earner Benefits; or
  3. Caregiver Benefits; and
  4. Lost Educational Expenses;
  5. Expenses of Visitors; and
  6. Housekeeping and Home Maintenance Benefits.

This limitation of accident benefits is quite significant – especially to someone who is off work as a result of injuries they sustained in the accident. Trying to survive without an income replacement benefit would be extremely difficult and stressful especially over an extended period of time.

What you are left with is Medical and Rehabilitation benefits and Attendant Care benefits. These benefits would cover therapy and treatment of various kinds, devices and the services of a nurse or personal support worker if required.

In addition, if you are involved in an accident and are not at fault you lose your right to sue when you do not carry a valid insurance policy.

So shop around for good insurance rates, but before your vehicle goes on the road make sure that it is fully covered and insured in Ontario.

Personal Injury Lawyer at Neinstein Personal Injury Lawyers Toronto

Greg Neinstein

Partner, Personal Injury Lawyer

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Area of Expertise

Accident Benefit Dispute

 

Accident benefits, or "no-fault" benefits, are available to anyone involved in a car accident, regardless of who is responsible. At Neinstein Personal Injury Lawyers, we can help advance your accident benefit claim while providing you and your family with the guidance and resources necessary to focus on your recovery. Our accident benefits lawyers based in the Toronto region will act as your advocate and trusted advisor in all matters related to personal injury litigation.

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Personal Injury Lawyer at Neinstein Personal Injury Lawyers Toronto

Greg Neinstein

Partner, Personal Injury Lawyer

More Posts View Bio

Area of Expertise

Accident Benefit Dispute

 

Accident benefits, or "no-fault" benefits, are available to anyone involved in a car accident, regardless of who is responsible. At Neinstein Personal Injury Lawyers, we can help advance your accident benefit claim while providing you and your family with the guidance and resources necessary to focus on your recovery. Our accident benefits lawyers based in the Toronto region will act as your advocate and trusted advisor in all matters related to personal injury litigation.

More Posts Legal Support

Book A Free Consultation

We will not charge you unless your case is successful.


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At Neinstein we have been advocating for injured victims for over 50 years. Our committed and compassionate team will do everything necessary to help you and your family find solutions to the new challenges that arise from serious injuries.

Our team will ensure you access the proper healthcare support to aid in your recovery. While you focus on your rehabilitation, we will thoroughly investigate your case and guide you through the litigation process so we can achieve the maximum compensation that you deserve.