Canadian Injured In USA Car Accident - Do You Have a Claim For Income Loss Against Your Ontario Auto Insurance?
Yes - in most cases, a Canadian (Ontario) resident injured in a car accident while in the United States will still be able to claim benefits from their own Ontario car insurance policy. This includes benefits for lost wages if your injury prevents you from returning to work. In addition, Ontario residents will be able to claim for other expenses, including healthcare costs from their Ontario auto policy. CAUTION - in order to claim Ontario benefits an election must be made. That is, you will have the choice between electing Ontario benefits or the first-party insurance benefits for the State where the accident occurred. In many cases, it is wise to choose Ontario, but this is not always the case. There are some US states that provide more coverage for first-party or no-fault insurance claims. A lawyer experienced in cross-border accidents will need to review the available benefits and provide you with an opinion. The election of benefits is usually final and cannot be changed, so be careful in making your choice.
Our firm has expertise in helping Canadians injured in the United States - we are leaders in this area of law and are the firm that many US and Canadian lawyers turn to for advice in this area of law. If you were injured in a car accident in the United States, call us for a free consultation. If we are unable to assist, we may be able to direct you to a firm or lawyer that can. Call us anytime 24/7 at 1-866-234-6093 or request a Free Consultation online and we can answer your questions and explain your rights and options.
Andrew Iacobelli is an experienced personal injury lawyer who established Iacobelli Law Firm with offices located in Ontario, Canada and Florida, U.S.A. Andrew restricts his practice to the representation of personal injury victims in claims involving serious injuries and wrongful death in Canada and the United States. Andrew is the author of "Are You a Canadian Injured in the United States? Claim the Damages and Insurance Coverage the Right Way".
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