According to Transport Canada, more than 300 accidents occur in Canada on a daily basis. However, most accident victims are not aware of or do not understand their rights after an accident and how to deal with their insurance claims. They find it very difficult to manage all the paperwork, meet important deadlines, and provide crucial information required by the insurance company while recovering from the injuries of the accident. If you are the victim of a recent accident and are not sure what steps need to be taken, it is advisable to contact a Car Accident Lawyer in Scarborough. A skilled and experienced car accident lawyer will ensure that you understand the legal process and guide you through the steps of filing a suit.
The Car Accident Claims Process
Ontario has a no-fault car accident policy. A no-fault car accident system means that everyone involved in a car accident is entitled to some compensation from their insurance companies, irrespective of who is at fault. Every driver is expected to carry a standard auto insurance policy consisting of several coverages: Third-Party Liability Coverage, Statutory Accident Benefits Coverage, and Direct Compensation. Third-Party Liability pays for the other parties’ damages if they take legal action against the incumbent. Statutory Accident Benefits provides benefits if you are the victim, regardless of fault, that includes supplementary medical, caregiver, rehabilitation and attendant care, non-earner, and income replacement benefits. Direct Compensation or Property Damage covers damage to the vehicle if another person is at fault.
Uninsured Automobile Coverage
Uninsured Automobile Coverage provides you protection if an uninsured motorist or if a hit-and-run driver hits you. The first step to begin the claims process, is to report the event to your insurance company. The insurance company will then contact you to obtain details about the crash, the injuries, and other damages from the accident. However, before speaking to the insurance adjuster you should discuss the accident with a car accident lawyer in Scarborough.
The role of the claims adjuster who represents the insurance company is to assess the damages and assign each party a degree of fault. He may also record your conversation. After all insurance companies are for-profit businesses and are known to deny claims and paying low settlements. An experienced lawyer will argue on your behalf for what is fair and protect your right to maximum compensation for your damages.
Fault and Liability
Fault plays an important role in an accident, even though Ontario follows a no-fault system. The insurance company assigns each party a degree of error for every car crash in Scarborough. The extent of fault determines the benefits available to the incumbent. If your injuries are serious and the other driver is at fault, the car accident attorney in Scarborough can help you explore other avenues of financial recovery. The attorney may also assist you in filing a personal injury claim to cover any remaining part of your expenses and income losses.
The value of the case depends on several factors such as the severity of the injuries, the type of auto insurance coverage that was taken, and the degree of fault. Accident benefits may cover up to $65,000 towards medical, rehabilitation, and attendant care expenses for non-catastrophic injuries and go up to $1 million in case of catastrophic injuries. In case the insurer deems the injury as minor, the benefits may be limited to $3,500.
Usually the insurance company tries to reduce the value of your claim by using various tactics like making you say something damaging about the accident or the injuries. It can take advantage of your financial hardship and try to settle your claim much faster, for much less that it is worth. There are several accident benefits available to the victim and depending on the particular circumstances, pain and suffering, one may be eligible to get caregiver benefits and death benefits,
Hence it is very important to look out for a skilled and experienced lawyer in Scarborough as soon as possible after the accident. A seasoned car accident attorney will listen to your version of the story, answer your queries and offer professional opinion about your ability to recover financial losses. He will carefully evaluate your case and calculate the total value of your current and future losses. This estimate will enable the lawyer to build a strong case for maximum compensation. You need to identify all the parties responsible to ensure that you are not wrongfully held liable for the accident. Refuse offers that do not cover the full extent of your damages and take the case to trial and ensure that you get full compensation if out-of-court negotiations are not successful.
Physiotherapy for Accident Injuries
Car crashes and motor vehicle accidents every year cause different kinds of injuries to people. Initially the injury may appear like a minor one but it can become serious later and require medical treatment. Since there are many different types of injuries, the first task after a car accident occurs is to seek an assessment from a physician or a physiotherapist. Healthcare professionals will be able to identify the injuries that a person has suffered, whether it is a broken bone or a fracture. Most injuries have symptoms that can be identified promptly.
Have you been involved in a car accident recently? You need not undergo painful and stress-inducing treatments at a hospital or a doctor’s clinic. Today physiotherapy treatment can help in managing, relieving and overcoming pain and physical injuries due to a car crash. These healthcare professionals are actually trained to assess, diagnose and provide the most appropriate therapy plan for recuperating.
Contact our office in Scarborough today and help yourself to a speedy recovery. We offer therapeutic treatments that are totally safe and will help reduce the symptoms of a car accident. We are also equipped with the latest tools and techniques that can provide you faster relief and speedy recovery. Our techniques are more effective than traditional methods of physiotherapy and massage. For free consultation call us at 416-438-3230 or Text 416-628-8554, Simply Align Rehab – Cedarbrae Medical Center: 3630 Lawrence Ave E, Scarborough, ON M1G 1P6.
