Question: My husband was in a serious car accident in Kingston. We are in the process of completing the accident benefits forms. Can I help my husband complete the OCF-3-Disability Certificate?
Answer: Yes, you may help your husband complete the OCF-3 form. However, you want to make sure that you fill out the OCF-3 form accurately and completely. What you put down may affect both the amount of accident benefits your husband may receive from his insurance company and a subsequent tort claim you may have against the at-fault driver.
In particular, you want to pay close attention to Part 3 of the form which requires a description of your husband's injuries and how the accident happened. It is important not to leave out any details of his injuries. Though the space provided on the form is small, you may attach additional pages to fully answer this part. There is a box in the section you can check to inform the insurance company that additional pages are provided. Writing a "brief" description may not accurately reflect your husband's injuries.
For instance, if your husband has severe back pain due to herniated discs, you would want to specify that he has herniated discs and not just that he has severe back pain.
What you write in this section may also be used by the at-fault driver's lawyer in a subsequent car accident tort claim. Your husband's injuries affect the value of his damages claims. Therefore, having a complete description is very important.
In terms of describing how the accident happened, what you write can also be used against your husband. Therefore, it should be accurate and brief.
At Bergeron and Clifford, we always offer FREE initial consultations. Call us and let us help you with accident benefits forms. 1-866-384-5886
If you are uncertain about completing accident benefits forms, it is a good idea to have a lawyer help you. A car accident lawyer who has extensive experience helping catastrophically injured motorists with accident benefits can ensure that the forms are completed accurately and properly.