Accident benefit dispute lawyer Toronto

Accident Benefit Claims In Toronto

Protect Your Entitlement to Car Accident Benefits

To file a claim, you must notify your insurance company immediately of the accident (if you do not have an insurance company, notify the insurance company of the other vehicle(s) involved in the accident.

You must complete the accident benefit claim application forms (including a form substantiating your income loss which must be completed by your employer and a form substantiating your car accident injuries which must be completed by an authorized health professional, such as an occupational therapist, chiropractor, physiotherapist or physician).

If you were self-employed at the time of the accident, for a benefit claim you must be able to substantiate your income and may require the assistance of an accountant.

Certain accident benefits claims processes may require you to provide a sworn statement to a representative of the insurance company about the circumstances of the car accident and the injuries you suffered as a result.

Accident Benefit Claim Guidelines

Loss of income benefit equal to 70 percent of your gross income from employment, to a maximum of $400.00 per week. The income benefit is payable for two years after the accident if you continue to be substantially unable to perform the essential tasks of your employment. Income benefits will continue to be paid after two years so long as you are suffering, due to your car accident injuries, and have a complete inability to engage in any employment for which you are reasonably suited by education, training or experience.

If you were unemployed at the time of the accident, benefit claim practices differ; you are not entitled to any weekly benefit for at least six months. However, if you suffer a complete inability to carry on a normal life after six months, you will become entitled to a minimum non-earner benefit.

If you were a care giver at the time of the accident, associated optional benefits beyond the standard allowances may help to support dependent family. If you are unable to carry on your caregiving duties, you may be entitled to receive the reasonable costs of paying for professional care to a maximum of $250 per week plus $50.00 for each additional child.

Medical and rehabilitation expenses covered by an accident benefit claim are limited to $50,000.00. Should you require assistance with daily activities as a result of the accident, you may also be eligible for attendant care benefits, up to $36,000.00 over two years. When an injury is determined by applicable regulations to be "catastrophic" in nature, medical and rehabilitation costs covered by an accident benefit claim are currently limited to $1,000,000.00; for related attendant care, the same maximum value applies. New coverage amendments announced by the Ontario provincial government have reduced the total maximum allowance for these categories by 50%, to a combined, cumulative total of $1,000,000.00.

Death benefits of $25,000.00 are payable to the deceased's spouse and an additional $10,000.00 to each of the deceased's dependants. Funeral expenses are paid to a maximum of $6,000.00.

That is why we use the contingency fee arrangement. Under this arrangement, the client is not required to pay any fees or expenses unless the case is successful. If the client does not recover any monies from the lawsuit, there will be no legal fees.