Who Pays For Car Accident Compensation In Toronto?
Our personal injury lawyers help you get the best possible outcome
You deserve compensation if you’ve been injured in a Toronto car accident, but the process of recovering compensation can be complicated. That’s why it’s important to have experienced legal representation. The car accident lawyers at Smitiuch Injury Law can guide you through the process every step of the way.
Our firm has been helping the injured since our founding in Toronto in 2001. We offer the experience and resources of a big law firm, but you receive the kind of personal attention from our lawyers that only a smaller firm can provide. We pursue every option for compensation and are committed to helping you get the best possible outcome.
If you were hurt in a car accident in Toronto, there are three common options for getting your expenses paid:
- The Ontario Health Insurance Plan (OHIP) will pay your hospital costs.
- You can apply for accident benefits with your own insurance company.
- You can file a lawsuit against the at-fault driver.
Applying for accident benefits in Toronto
OHIP may not cover all of your medical expenses. You can then file a claim for accident benefits with your own insurance company. It doesn’t matter who was at fault for the Toronto car accident. You may be eligible to receive medical and rehabilitation, attendant care and income replacement benefits (as well as certain other benefits). But note that:
- There is a $3,500 maximum benefit for minor injuries.
- Your policy must carry a minimum coverage of $65,000 for non-catastrophic injuries.
- Your policy must carry a minimum coverage of $1,000,000 for catastrophic injuries.
Your insurance company may challenge your claim and try to pay you less. For example, they may argue that your injuries are not that serious or that you don’t need a certain type of treatment. Our Toronto lawyers can help you fight back to get all the benefits you are eligible to receive.
Filing a lawsuit in Toronto
If a negligent driver caused the Toronto accident that left you injured, you can take legal action to recover compensation. Negligent drivers often deny responsibility and don’t admit to doing anything wrong. Insurance companies are not on your side and they use many tactics to deny your compensation, or at least limit it. For example, they may argue your injuries were pre-existing.
Our legal team in Toronto investigates your accident to get the facts. We gather evidence, interview witnesses and even consult experts, if needed. Our lawyers build strong cases the insurance companies can’t ignore. Insurance companies know that we are not afraid to go to trial. It’s why they often agree to negotiate a settlement.
If you’ve been injured in a car accident, learn more about how our car accident lawyers can help you recovering financial compensation. Contact us to schedule a free case evaluation at our Toronto office. We can review the details of your accident, answer your questions and go over your legal options. If you can’t make it to our office, that’s not a problem. We can meet you at home, in your hospital room or anywhere that is convenient.