Summer road trips can be fun, exciting, and create amazing memories for family and friends. However, getting into a car accident on a vacation can ruin those memories for everyone involved. Some injuries, like bumps and scraps, can be treated with minimal damage to your physical health. More severe injuries, such a concussions or spinal cord injuries and broken bones, can be more devastating to a person, as well as his or her support network.
If you have been involved in a car accident, it’s important to know what compensation you may be owed from your auto insurance provider.
As outlined on the Financial Services Commission of Ontario website, every auto insurance provider in Ontario is legally obligated to provide you with immediate accident benefits, known as Statutory Accident Benefits. These are provided to you and any passengers if you have been involved in a car accident resulting in injuries or a fatality.
The type of compensation varies depending on the situation. You may be entitled to medical compensation and attendant care to cover the costs of any hospital bills, surgery, and long-term care professionals that were necessary to help you recover from your injuries. You may also be entitled to income replacement if you are no longer able to earn a living, or provide for your dependents as a result of your injury. In cases of fatalities, death and funeral benefits may also be provided.
However, the application of these benefits is not always black and white. Sometimes, it can be a struggle to obtain certain benefits from an auto insurance provider. If you are in a situation where you have been injured in a car accident and are unable to receive compensation for your injuries, it’s best advised that you consult with a personal injury lawyer. He or she will be able to assist you with your insurance claim and help you protect your legal rights to compensation.