In part 1 of this article, we discussed how the recent changes to Ontario's Statutory Accident Benefits Schedule (SABS) affect motorists who are catastrophically injured in auto accidents. The changes do not only affect catastrophically injured motorists, but also other injured accident victims. This article will discuss the changes pertaining to those motorists not catastrophically injured.
Medical and Rehabilitation Care Benefits for Non-Minor Injury Group
After an Ontario accident, injured insured drivers/passengers may file accident benefits claims with their auto insurance companies. One of the benefits they receive is medical and rehabilitation care benefits which cover reasonable medical costs associated with accident victims' injuries suffered in the car accidents.
Depending on their injuries, insured injured motorists are placed in one of three groups which determine the maximum amount of benefits they may receive: minor injury, aka MIG, non-minor injury, or catastrophic injury.
Prior to the changes, injured drivers/passengers in the non-minor injury group could receive up to $50,000 of medical and rehabilitation benefits. After the recent changes, the maximum amount of medical and rehabilitation benefits injured individuals may receive is $65,000. However, don't let the new maximum fool you into thinking you are getting more benefits. In fact, you are getting less benefits because the $65,000 is combined with another accident benefit - the attendant care services.
Prior to the changes, injured individuals in the non-minor injury group could receive up to $3,000/month or $36,000/year in attendant care benefits. The maximum total for both medical and rehabilitation benefits and attendant care benefits was $86,000.
Essentially, these benefits are reduced by $21,000. However, drivers have the option to buy additional coverage and increase the maximum from $65,000 to $1,000,000.
In addition, the recent changes have drastically shortened the maximum time period allowed to receive auto accident (SABS) claims for medical and rehab benefits. Prior to the changes, injured individuals could receive medical and rehabilitation benefits for no more than 10 years, unless the injured person was a minor or an individual in the catastrophic injury group. After the changes, no medical and rehabilitation benefits are payable for expenses incurred more than 5 years after the accident, unless the injured person is a minor or an individual in the catastrophic injury group.
With these changes, it seems that obtaining optional coverages has become very important for the protection of injured car accident victims in Ontario.
Help After an Ontario Car Accident
If you or a loved one was injured in a car accident in Kingston, Ottawa or Whitby, call the car accident lawyers at Bergeron Clifford. They will take the time to address all of your questions/concerns and fight to recover the maximum financial compensation you deserve. FREE consultations - 866-384-5886.