Resources and Knowledge
In Ontario all drivers of motor vehicles are required by law to carry automobile insurance. Every automobile insurance policy contains various benefits available to you when you are involved in an accident, regardless of who was responsible. Anyone who is injured in a motor vehicle accident in Ontario (and in some cases outside of Ontario) has access to Statutory Accident Benefits. The amount and types of Accident Benefits available and length of time they are available is dependent on the amount of insurance purchased and the nature of your injuries.
Falconeri Rumble Harrison will assist you through the Accident Benefits process. We will work with your medical professionals to ensure that you are receiving all of the benefits and treatments that are available to you and recommended. We will also aid with any disputes that arise between you and your Accident Benefits insurer. At some point it may make sense to resolve your claim for Accident Benefits for a lump sum payment and we will assist you with this.
Benefits that may be available to you if you were injured in a motor vehicle accident under the Statutory Accident Benefits Schedules include:
Income Replacement Benefits, Non-Earner Benefits or Caregiver Benefits
You are only entitled to receive one of the above benefits at any one time. Which benefit is available to you is dependent on your circumstances both before and after the accident.
Income Replacement Benefits are designed to replace a portion of the income you were making prior to the accident if you are unable to return to work.
Non-Earner Benefits are available to those who do not qualify for an income replacement benefit, and who suffer from a complete inability to carry on a normal life as a result of the accident.
Caregiver Benefits are available to someone who is the primary caregiver for a person in need of care without receiving remuneration and as a result of the accident suffers a substantial inability to engage in the care giving activities.
Medical Rehabilitation Benefits
These benefits provide coverage for medical and rehabilitation expenses for an injured person that are not covered by OHIP. Examples include physiotherapy, occupational therapy, counselling or driver re-training.
Attendant Care Benefit
These benefits are designed to cover “reasonable and necessary” expenses incurred by an injured person in hiring someone to help them with their personal care. These benefits can provide payment for services such as meal preparation and assistance with bathing and personal grooming.
Lost Educational Expenses
Where an injured person was enrolled in school prior to the accident and is unable to continue, these benefits provide coverage for expenses already paid such as tuition, books, equipment or room and board.
Housekeeping and Home Maintenance
If you are unable to perform housekeeping or home maintenance chores because of your accident, these benefits provide coverage to hire someone else to perform these tasks.
Damages to Clothing, Glasses, Hearing Aids, etc.
These benefits provide reimbursement for personal items damaged in the accident.
Death and Funeral Benefits
Where an individual sustains a fatal injury in an accident, these benefits provide a lump sum payment to their spouse and dependents.