Insights from an Ontario car accident lawyer near me
An experienced Ontario auto accident lawyer knows
that the aftermath of a car accident is a highly stressful and challenging
time. Often, individuals may not fully comprehend the extent or the various
types of losses they have endured. But there is help available to identify the
wide range of financial and personal losses you may be entitled to recover,
provided you have the support of a trusted car accident lawyer near me.
Moreover, the Statutory Accident Benefits System is
compulsory under your insurance, ensuring there are several standard losses
that you have the right to reclaim. Certain benefits are available to victims,
irrespective of fault, while others may require legal action with the
assistance of your car accident lawyer near me in Ontario. Losses
stemming from a car accident can typically be categorized into three primary
groups: Accident Benefits, Property Damage, and Tort Claims, each addressing
different aspects of losses associated with a car accident or motor vehicle
accident.
Category 1: Accident Benefits
• Childcare assistance for catastrophically injured
victims or those with access to optional benefits
• Treatment of disfigurement and scars
• Cost of psychological treatments and therapy
• Funeral and burial expenses of up to $6,000 in the
event of death
• Housekeeping and home maintenance benefits of up
to $100 a week for the rest of your life (subject to your policy)
• Loss of income; Income Replacement Benefits of up
to 70 percent of gross wages, capped at $400 per week as an accident benefit.
You can also pursue a tort claim (see Category 3, below) with no maximum limit.
• Non-earner benefits
• Medical costs and expenses associated with the
acquisition of medical and/or assistive devices
• Home renovation and improvement
• Personal care needs, including the cost of hiring
a caregiver if you are unable to care for yourself
• Physiotherapy and other rehabilitation,
encompassing case management services, occupational therapy, and rehab support
workers
• Medical equipment
• Visitor expenses to cover eligible costs incurred
by the attendance of a parent, grandparent, sister, brother, spouse, child,
and/or grandchild.
Category 2: Property Damage
• Costs related to repairing or replacing your car
• Property damage, in addition to that of your car,
resulting from a car accident
• Costs for replacing dentures, glasses, and other
orthodontic and/or dental treatments arising from injuries sustained in a car
accident
Category 3: Tort Claims (claims against the at-fault
party)
• Funeral and burial expense claims in the event of
wrongful death (with no maximum limit).
• Housekeeping and home maintenance claims beyond
what is provided by the Accident Benefits carrier.
• Attendant care services (personal support worker)
in addition to that funded by the Accident Benefits carrier.
• Loss of income beyond what is covered by Income
Replacement Benefits (IBR).
• Loss of competitive advantage and loss of business
opportunity
• Costs associated with future care for the injured
person
• Pain, suffering, and loss of enjoyment of life
• Out-of-pocket expenses incurred as a result of the
accident
• Costs of treatment exceeding what is covered by
the accident benefits provider.
When you're dealing with such losses following a car
accident, it is essential to consult with a dedicated car accident lawyer near me who can guide you through the intricate legal process and help
ensure you recover the compensation to which you are entitled.