Accident Benefits Insurance Claims

You may be entitled to make an Ontario Accident Benefits Insurance Claim.

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We Understand That the Last Thing You Need to Worry About Is Filling Out Forms

If you were injured in a motor vehicle, cycling, or pedestrian accident you can file an Accident Benefits insurance claim, whether or not you were at fault. If you plan on pursuing the other driver for compensation for pain and suffering or other expenses, you must first file your claim through your own insurance company. Our team can help you with this by gathering all the information, filling out the required forms for you, and submitting them within the timelines. Unfortunately, it is quite common for you and your insurance company to disagree about the amount of benefits that should be paid to you and that’s where our personal injury lawyers can assist in making sure you are well taken care of and you receive the maximum support and compensation for your injuries.

We care about getting you the treatment and services you need to recover and to know how to maximize your insurance claim.

Ontario Accident Benefits exist to help accident victims with the expensive costs of medical treatment and services. We understand the physical and financial stress of being in a motor vehicle accident and we want to see you be provided with the assistance and support you need.

Insurance Claims typically include:

Income Replacement Benefits

As a result of your injuries, if you are unable to work, you may be entitled to income replacement benefits through your accident benefits. Income replacement benefits can pay 70 % of your net income, to a maximum of $400.00 per week without optional coverage. Income replacement benefits are often reduced if you receive other income benefits such as short term disability or long term disability. Income replacement benefits begin one week following the accident and your injuries must have caused a “substantial inability” to perform your work duties. After 104 weeks, income replacement benefits can still be paid if you suffer “a complete inability to engage in any employment for which you are reasonably suited by education, training or experience”. These income replacement benefits are reduced after the age of 65. This may sound complicated but rest assured our lawyers are here to assist you.

Non-Earner Benefits

At the time of your accident, if you are not employed you may be entitled to a non-earner benefit of $185.00 per week if you have suffered a “complete inability to carry on a normal life”. Accident Benefits can pay non-earner benefits 26 weeks after your accident. If you are under 16 years of age, you are not entitled to receive non-earner benefits. At the time of the accident, if you were in school you may be entitled to $320.00 /week after the 104 weeks following your accident.

Optional Benefits: Caregiver Benefits

At the time of your accident, if you lived with a person who required care, you may be entitled to a caregiver benefit of $250.00 / week, plus $50.00 for each additional person requiring care if you were the primary caregiver through your insurance.

a. Election of Benefits

You may meet the test for income replacement benefits, non-earner benefits and/or caregiver benefits. In which case, you must elect which benefits you want. Our experienced personal injury lawyers can help you make the choice that is best for you and maximize your insurance claim.

b. Medical and Rehabilitation Benefits

Ontario Accident Benefits insurance pays for a wide range of medical and rehabilitation benefits. If your injury is considered to be “non-catastrophic”, you can receive up to $50,000.00 for up to 10 years following your accident. If your injuries are considered to be “catastrophic injury”, your insurance can pay up to $1 million combined with attendant care benefits over the course of your life.

c. Optional Benefits: Attendant Care Benefits

If purchased, optional benefits cover attendant care benefits for personal care services required after your accident to a maximum of $36,000.00, or $3,000.00/ month for up to 2 years, if “non-catastrophic” injury; or if “catastrophic injury”. up to $1,000,000.00, up to $6000 / month combined with medical and rehabilitation benefits over the course of your life.

d. Death Benefits

If someone is killed in a car accident, Ontario Accident Benefits cover death benefits payable to a spouse, dependants, persons on whom they were dependant or others up to $25,000.00 and $10,000.00.

e. Other Benefits Include:

Expenses of family members and people living with the injured person who visit the injured during treatments and recovery can be covered through your benefits. These include meal expenses, mileage, travel expenses and expenses for accommodation. All receipts must be submitted for reimbursement.

Other Accident Benefits can also include housekeeping and home maintenance expenses up to $100.00/ week, payable for up to 2 years if deemed “non-catastrophic injury ” and $100/ week if deemed “catastrophic injury”.

Accident Benefits can also pay for lost education expenses for students to a maximum of $15,000.00

Focus Areas

Medical and Rehabilitation Benefits

Whether you need a chiropractor, physiotherapist, massage therapist, occupational therapist, psychologist, surgeon, or otherwise, we can help you get the financial support you need for a speedy recovery.

Weekly Benefits

Between income replacement benefits, non-earner benefits, and caregiver benefits, we can relieve you from the financial burden that comes along with being an accident victim. This includes: Income Replacement Benefits, Non-Earner Benefits, and Caregiver Benefits

Attendant Care Benefits

When you’re injured in an accident and are in need of extra care, our personal injury lawyers can help you receive the attendant care benefits you deserve.

Housekeeping Benefits

If you’ve been involved in a significant accident resulting in severe impairment and the inability to perform housekeeping duties that you would have before the accident, you are eligible for housekeeping benefits.

Visitor’s Expenses

When you fall victim to an accident, support from your loved ones goes a long way. We can get coverage for the expenses incurred by your visitors, making each visit stress-free.

Our lawyers will travel to your home, hospital, or rehabilitation centre throughout eastern Ontario. You don’t pay until you get paid.

Our Ottawa personal injury lawyers are here to help you every step of the way with your Insurance Claims.

Starting a lawsuit or insurance claim can be a complicated process, but our  lawyers are here to guide you every step of the way. If you don’t have auto insurance, we can help secure compensation for you through the Ontario Motor Vehicle Accident Claims Fund. If you are insured in Ontario but were injured in another province, you have options when it comes to filing your insurance claims, as well as the province’s insurance scheme where the accident took place. It’s always best you contact an experienced Ottawa personal injury lawyer to help you make the best choice for you and your family.

Our Ottawa injury lawyers understand, we care and we’re here to help and our track record proves it. We can’t change the past but we  can help change your future.

If you’ve been injured in a motor vehicle accidentcontact us free of charge to discuss how we can help you with your insurance claim and help get you what you need to enjoy a comfortable quality of life.

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Frequently Asked Questions

It’s always best you hire a personal injury lawyer to help you get maximum compensation for your Accident Benefits Claim. Negotiating an accident claim often requires careful execution of several steps. Key considerations when negotiating an accident benefit claim.

  1. Start the claim as soon as you can.
  2. Keep records and take pictures of everything that you can.
  3. Ask for copies of all documents pertaining to your claim.
  4. Include as many details as possible in your claim.
  5. Get everything in writing.
  6. Consult an experienced Personal Injury Lawyer.

In general, you have two years to file an accident claim in Ontario if you have been involved in an auto accident that involves injury or property damage no matter who is at fault.

To make a claim, you must report the accident to your insurance company as soon as possible. Gather as much evidence as you can to support your claim. Get names and addresses of witnesses. Take photos with your phone. Get copies of all paperwork.

In Ontario, the insurance company cannot increase your premium because of an accident if you are found to be less than 25% at fault. Since June 1, 2016, insurance companies have not been able to increase premiums for the first at-fault accident in any three-year period, even if the driver is more than 25% at fault.

Contact our team for a Free Consultation

If you’ve been injured in an accident, please contact us free of charge to discuss how we can help you get the compensation and care you need to enjoy a comfortable quality of life.

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We are lawyers who understand, who care, who are here to help… and our track record proves it.
We can’t change the past but we are the lawyers that can help change your future.