I was in a car accident and I was charged. Can I still make a claim?
Question: I am buying a car and need to purchase auto insurance. Should I buy the OPCF 44R Family Protection Coverage on my policy?
Ontario's auto insurance laws and types of coverage on auto insurance policies can be very confusing for the insured drivers. There are mandatory coverages that drivers must get, such as liability coverage. There are also many types of optional coverage, such as the ability to increase the amount of liability coverage. Drivers may not even be aware of some of the kinds of optional coverage, such as the Ontario Policy Change Forms (OPCF) 44R Family Protection Coverage.
School is back in session. This means that there will be more motor vehicles traveling on Ontario roadways and highways.
Pursuant to amendments in Ontario Regulation 461/96, there have been more changes to what victims of motor vehicle accidents in Ontario may receive after a car accident.
In the summer, there are more motorcycles on Ontario roadways and highways. However, when motorcycles are involved in accidents with other vehicles, i.e., cars, vans, buses or trucks, riders often suffer catastrophic injuries or die as a result of the crashes. This is especially true if the accident happens at a high rate of speed or if the rider is hit by a much larger, heavier vehicle. Motorcycle riders do not have seat belts or airbags to protect them when hit by other vehicles. If riders are thrown from their bikes, the injuries are often fatal. If the injuries are not fatal, spinal cord and head injuries are common.
Summer is in full swing, and many Ontarians take full advantage of the sunny weather. They have BBQs, attend parties, hit the beach, etc. For many of these events, alcohol is present. Hosts of BBQs and parties will buy alcohol for their guests. Beach goers will pack a cooler of beer. It is important to plan ahead to avoid drunk driving or impaired driving.
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.
Distracted driving is one of the most common causes of car accidents in Ontario cities such as Kingston, Ottawa or Whitby. Dangerous distracted driving behaviours include the following:
Last month, proposed changes to Ontario's Statutory Accident Benefits Schedule (SABS) were passed in the Ontario legislature. Many Ontario drivers oppose these changes because they slash the accident benefits injured Ontario drivers can receive after Ontario car accidents.