Ontario has a no-fault insurance system for automobile and motorcycle accidents, which allows you to obtain accident benefits irrespective of fault. In addition, an injured person can also obtain compensation from the at-fault driver's insurance company.
If you are injured as a result of a car or motorcycle accident in Ontario, you may be entitled to compensation from two sources:
1. Accident Benefits from your own automobile insurance policy or from the insurance for another vehicle involved in the accident
2. Tort Claim against the at-fault driver for compensation, including damages that are not available through accident benefits, such as pain and suffering.
Accident benefits are available to anyone involved in a motor vehicle accident regardless of who is at fault. These benefits are available under the auto insurance policy. Accident benefits may pay for items such as:
Medical and Rehabilitation
Housekeeping and Home Maintenance
In order to obtain accident benefits, a number of documents and applications will need to be filled out and provided to the insurance company. The accident benefits scheme is complex, there are continuing obligations and deadlines for submitting and providing information. It is strongly recommended that you have an experienced lawyer assisting you with your accident benefits application in order to ensure that you are receiving all available accident benefits.
Click here to learn more about accident benefits claims.