Were you seriously injured in a car or truck accident in Kingston, Ottawa or Whitby? If so, did you know that you are entitled to receive accident benefits from your car insurance company pursuant to Ontario's auto insurance law?
Some of the accident benefits include:
- lost pay or income continuation,
- caregiver benefit, and
• reimbursement for housekeeping and home maintenance.
- reimbursement for housekeeping and home maintenance.
One of the most important accident benefits injured drivers are eligible to receive is the medical and rehabilitation benefit. This benefit pays for all reasonable and necessary medical and rehabilitation expenses that are not covered by a government health plan or a private health plan drivers may have through work. However, the amount of medical and rehabilitation benefit injured drivers receive depends on their injuries.
There are three classes of injury defined by the Statutory Accident Benefits Schedule (SABS):
- minor injury,
- non-minor injury, and
- catastrophic injury.
If an injured driver sustains a catastrophic injury, he/she may receive up to $1,000,000 of medical benefits.
Catastrophic injury has a very specific meaning in the context of Ontario car accidents; it is defined by the SABS to include, but is not limited to, the following:
- paraplegia or quadriplegia,
- the amputation of an arm or leg or another impairment causing the total and permanent loss of use of an arm or a leg,
- the total loss of vision in both eyes, and
- certain types of traumatic brain injury.
These 4 catastrophic injuries listed above are obvious in terms of their severity, and it is easy to understand why they are considered catastrophic injuries. However, there are other catastrophic injuries that may not be apparent immediately after car accidents and become apparent as time passes. These types of catastrophic injuries may result in severe physical or mental impairment of the injured drivers/passengers.
Applying for accident benefits after sustaining a catastrophic injury in a car or truck accident in Ontario can be daunting. Talk to the car accident lawyers at Bergeron Clifford. The lawyers have extensive experience in helping car accident victims obtain accident benefits. 1-866-384-5886