The most common challenge faced by those injured and or dealing with a vehicle accident is having to manage and deal with their insurance claim. Some insurance companies can be very uncooperative and prolong the claims process, possibly adding to the pain and anguish one may be suffering from. This can be sometimes more stressful then the accident itself, because as one tries to cope with their injuries (both physical and psychological), they also have to navigate through a complex claims process that often can be too difficult to successfully manage.
By hiring TSF Law, one of Toronto’s best personal injury attorneys, and legal team of disability lawyers, you will be helped with the entire claims process, for we act as a legal representative in direct contact with the insurance company. This means that you will have the time and peace of mind to focus on your recovery and avoid any added stress. With qualified legal representation, you can gain the maximum benefit from your claims process and possibly further financial support when seeking damages.
Car Accident Benefits You May Be Entitled To
With a seasoned team of Toronto car accident lawyers, TSF Law has obtained the following benefits for its clients within the city and throughout the province:
- Medical & Rehabilitation Expenses
- Payments to cover all required medical expenses as a result of the accident.
- Often this benefit covered any expenses that are not covered by OHIP (physiotherapy, medical devices, etc.)
- Tort Claims
- Also known as Third Party Claims or At Fault Claims
- After a car accident has occurred, a party is often held “at fault” by the evaluating insurance company. There are certain rules in Ontario called Fault Determination Rules, which are utilized by insurance companies to determine said party.
- These type of claims cover things such as monetary compensation for pain and suffering and inability to travel.
- Income Replacement Benefit
- If you are earning income prior to the accident and are unable to work due to the lack of vehicle and/or injuries incurred as a result of the accident, you are eligible for this benefit
- This benefit is often calculated by taking 70% of your gross income for the first two years you are unable to work at your current job (for a maximum of ~2 years), of if you are unable to do any work period, until the age of 65.
- Once you have reached the age of 65, this benefit decreases (given that this is the age most people retire), and halts at time of death.
- There are certain scenarios and options that may increase the payment of this benefit, therefore it is very important you hire a claims lawyer who has a strong knowledge of car accident benefits
- Student Benefit
- If you are a student at the time of the accident and are unable to continue your studies and/or complete your education as a result of the accident, you may compensated for expenses such as tuition costs, educational materials (such as books and laboratory equipment), room and board, and any other educational expense you acquired prior to the accident.
- Benefit for Non-Earners
- If you are unemployed at the time of the car accident, and as a result of the injuries incurred, are unable to carry out your day-to-day activities (or have been deemed to suffer from a disability as a result of the injury), you may be eligible for this benefit.
- Attendant Care Benefits
- Those who suffer from injuries that require the use and need for an attendant to care for them
- Often this benefit is entitled to those who have suffered catastrophic injuries, or those with long-term disabling implications.
Accident Benefit Elegibility Guideline
You are eligible to certain benefits depending on the type of injury you may have after a motor vehicle accident (MVA). Typically insurance companies divide injuries into three categories:
- Minor Injury:
- includes things such as sprain and strains of muscles, tendons, ligaments, including partial but not total tearing.
- whiplash (or any other associated disorders)
- contusions and abrasions, as well as bruising
- lacerations
- misalignment of vertebrae known as subluxation, etc.
- Non-Catastrophic Impairment
- includes things such as broken bones, some forms of brain injuries, as well as psychological trauma and develop of disorders (ex. PTSD and Agoraphobia)
- an injury that often is more serious than a minor injury, but not as serious as a catastrophic impairment
- these types of injuries are sometimes more challenging to defend but often a category that most MVA victims are placed
- Catastrophic Impairment
- the most serious and severe injuries
- includes paraplegia, tetraplegia/ quadriplegia
- loss of or use of an arm, amputation
- loss of vision
- traumatic brain injury
- often considered to be a physical or psychological impairment that impairs an individual by 55%, compared to their state physical or psychological state prior to the injury
Further to the listed benefits in the previous section, there are several types of support (whether be financial or social) that you are entitled to if you have succumbed to a minor injury, non-catastrophic impairment, or catastrophic impairment. It is important that you speak with an accident benefit lawyer who is up to date on all laws and insurance procedures governing in Ontario.
Proper Legal Support for Denied Claims
It imperative to your health and your insurance claims process to speak with a lawyer who can represent you when seeking benefits after sustaining an injury from an auto accident. Depending on the type of injury sustained, it can sometimes be impossible for you to properly manage and know how to navigate yourself and your case through the claims process. By speaking with a personal injury lawyer, you will gain a partner who will take on all the heavy lifting. No longer do you have to feel alone, contact TSF Law for a free consultation to gain insight on the best possible way to gain maximum benefit coverage in a time of recovery and management of an injury.
