Accident Benefits – What They Mean For You

What Are Accident Benefits?

When you have been injured in an automobile accident, you might be eligible for particular monetary reimbursements called accident benefits that will help you whilst you’re recovering. Statutory Accident Benefits Schedule (or SABS for short) is a piece of Ontario legislation which governs the way insurance companies treat motor vehicle accident claims. Regardless of fault, you and your passengers are entitled to specific benefits in order to aid your recovery.

 

Accident Benefits – What You Need To Understand

Although you may have already reported the damages to your vehicle to the police and insurance company, you must understand that claiming accident benefits for your injuries is an entirely different process. You need to call your insurance company and report your injuries so that they can open an accident benefits claim.

 

When Do I Have To Notify My Insurance Company About My Injuries?

The simple answer is RIGHT AWAY. You have a very limited time to report your injuries to your insurance company before you have to provide a “reasonable” explanation for why you have not done so earlier, this will delay you in receiving accident benefits. You only have seven days before the insurance company can request exhaustive information regarding the tardiness of your application. Once you report your injuries, the insurance company will assign an adjuster to handle your accident benefit claim and they will mail you several complicated forms which you and a medical professional must fill out.

 

Am I Entitled to Receive Accident Benefits?

If you were involved in a motor-vehicle accident and as a result are having physical or psychological pain, you are entitled to receive accident benefits. Additionally, your loved ones which have been affected by your injuries and psychological strains may be entitled to accident benefits as well.

 

Where Do I Start?

Your best bet is to hire a personal injury lawyer Toronto. Toronto injury lawyers can help you with the claims process. Although it may not seem so right now, an accident benefits claim can be extremely tricky to navigate. The insurance company is not always eager to pay for treatment or to provide monetary compensation for things like your income or new housekeeping costs.

It is important to understand that you will be dealing with adjusters whose professions revolve around the legislation. Unless you work in the field of accident benefits, it is strongly advised against handling your own accident benefits claim. If you are worried about lawyer fees you needn’t worry anymore. Almost all lawyers and paralegals who work accident benefits claims work on a contingency basis. This means that you will not be required to pay any upfront fees and the lawyer or paralegal works only on commission only after you get paid.