Accident benefit dispute lawyer Toronto

Accident Benefit Claims In Toronto

Were your accident benefits denied, delayed, or cut off by your insurer? We can help.

Filing for accident benefits in Ontario can be overwhelming, especially when insurers make the process complicated. To start a claim, you must notify your own insurance company right away, or if you don’t have one, the insurer of the other vehicle involved in the crash. From there, you’ll need to complete several application forms, including documents to prove your income loss (completed by your employer or accountant if you are self-employed) and medical reports confirming your injuries (completed by a licensed health professional such as a physiotherapist, chiropractor, occupational therapist, or physician).

In some cases, the insurer may also require you to provide a sworn statement about the accident and your injuries. These steps can be stressful, and when benefits are denied, delayed, or cut off, the process becomes even harder to navigate. That’s when speaking with an accident benefit dispute lawyer in Toronto can make all the difference.

At Neinstein Personal Injury Lawyers, we understand how crucial accident benefits are to your recovery. Our team has decades of experience guiding clients through disputes with insurance companies, whether the issue involves income replacement benefits, medical and rehabilitation expenses, attendant care, or other supports under the Statutory Accident Benefits Schedule (SABS). We take a hands-on approach, gathering the medical evidence, financial records, and expert testimony needed to strengthen your case.

If your claim has been unfairly denied or reduced, a Toronto accident benefits lawyer from our firm can help you challenge the insurer’s decision through negotiation, mediation, or the License Appeal Tribunal (LAT) process. We fight to ensure you receive the full range of benefits you are entitled to so you can focus on healing and moving forward.

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.