In Ontario, any individual involved in a car accident is entitled to accident benefits. Regardless of who is responsible for the accident, Ontario accident benefits are still available to you through your insurance company. This applies to motorists, passengers, and even cyclists and pedestrians, who are involved in accidents with a motor vehicle.
With no-fault insurance, anybody who has been injured in a car accident is required to claim accident benefits through their insurance provider. The type of no-fault benefits you will be entitled to depend on many factors, including the severity of your injuries and how they may affect your life.
Available No-fault benefits will vary from policy to policy depending on the seriousness of the injury and whether optional coverage has been purchased, but typically include the following:
- Medical benefits (physiotherapy, occupational therapy, prescription medication, etc.)
- Rehabilitation benefits
- Income Replacement Benefits
- Death benefits and Funeral expenses
- Attendant Care expenses
- Housekeeping and Home Maintenance expenses
Limitations on No-Fault Benefits
You must notify you insurer of your intention to apply for no-fault benefits within 7 days of the accident. The application forms must be filed within 30 days after you receive them. Remember that no benefits will be paid out until the application is filed and has been approved by your insurer.
What If I Cannot Recover No-Fault Benefits?
In many cases, your insurance provider may attempt to deny claims for no-fault benefits, or particular benefits therein. If you are having trouble receiving the benefits you are entitled to, or if the benefits are delayed, it is important to consult an experienced personal injury lawyer to help you with the process.
At Futerman Partners LLP, we have more than 30 years of experience helping clients pursue their no-fault benefits claims. We will work hard to ensure that you get the compensation you deserve. Call today and request a free consultation! 416-925-4100.