Ontario law makes it illegal for Ontario drivers to talk, text, type, dial or email using hand-held cell phones or other hand-held communication and entertainment devices while driving. Just last month, Ontario increased fines drivers must pay if they are caught using hand-held devices, cell phones or smartphones while driving. SeeTexting and Driving Car Accidents in Ontario
Ontario motor vehicle accidents on highways such as Highway 401 and Highway 416 from Kingston to Ottawa can result in serious or even fatal car, bus or truck crashes. When auto accidents involve tractor-trailers or trucks, the damages to the trucks and cars involved are more serious, and the injuries to the victims may also be more serious.
Ontario drivers who own their cars are required to purchase auto insurance. Having insurance coverage is important because it protects Ontario drivers and passengers who may be injured in car, bus or truck accidents. Ontario has a no-fault system, which means that regardless of who caused the motor vehicle accident, the driver's own car insurance company pays for the medical expenses/treatments incurred as a result of the collision. Further, an injured driver can also make a claim for other benefits such as:
After car accidents in Kingston, Ottawa or Whitby, Ontario, injured drivers or passengers can make two types of claims: 1. a claim with their own car insurance companies and 2. a tort claim or a lawsuit against the drivers that caused the accidents. These options are not mutually exclusive. In other words, you can pursue both options at the same time. Often, the reason for pursuing both options is because the benefits the injured drivers and passengers receive from their car insurance companies are not enough to compensate them for their medical expenses or lost wages. In addition, the benefits drivers/passengers receive from their car insurance companies do not cover pain and suffering.
Ontario drivers were introduced to usage-based insurance (UBI) in the spring of 2013. Previously, Desjardins General Insurance Group was the only auto insurer approved by the Financial Services Commission of Ontario to offer this new type of insurance to Ontario drivers, the first of its kind.
Ontario drivers who are injured in car, bus or truck accidents in Kingston, Ottawa or Whitby will likely need medical treatment. An injured Ontario driver's Ontario Health Insurance Plan (OHIP) is the first line of medical coverage. OHIP will pay for an injured driver's acute care performed at a hospital. For example, if a driver is taken to an emergency room, OHIP will cover the acute care the injured driver receives.
Q: Injured in a car accident on Highway 401 near Kingston, Ontario. The insurance company of the driver who hit me left a message and asked me to call him back. Do I have to?
Have you heard about the newest trend of taking "selfies?" This is when people take a picture of themselves with the camera on their smartphones. Mostly likely, you have heard about it. In fact, you may even have taken a few selfies and posted them on your social media accounts such as Facebook, Twitter, Instagram, etc.