If you were involved in an accident, you could be entitled to receive accident benefits payable by your own insurance company under the terms of your policy. Your right to obtain these benefits does not depend on whether or not you were "at fault" for the accident, so these benefits are often referred to as "no-fault" accident benefits.
At the law firm of Graves Richard Harris LLP we help injured individuals in applying for no-fault benefits and represent their interests should any coverage disputes arise. As your advocate, we will work directly with you and your insurance company to ensure you receive the benefits to which you are entitled.
Types of Benefits Available
A serious personal injury may require extensive medical treatment, as well as leave you unable to work for some time. Some injuries may result in permanent, long-term disability. We understand that you may need financial assistance to handle the costs of recovery. Most accident benefits plans include:
- Medical benefits to handle expenses such as surgery, hospital stays, doctor visits and follow-up care not covered by Ontario Health Insurance Plans (OHIP)
- Weekly income replacement benefits to pay for your day-to-day living expenses and your monthly bills while you are out of work
- Rehabilitative costs unique to your situation such as massage therapy, occupational therapy or vocational counselling, among others
If there is a dispute over coverage or the amount of coverage, we will act as your representative in negotiating a fair settlement through mediation or alternative dispute methods. While it is rare for such cases to go to trial, we are fully prepared to represent your interests in court if necessary.
What If My Benefits Are Discontinued?
Most insurance companies begin payments for accident benefits, but some may stop making payments after a certain amount of time, even if your claim has not yet been completed. We will negotiate with your insurance company on your behalf to have your benefits reinstated under the terms of your policy or as required by your condition. If necessary, we will refer you to appropriate medical specialists for independent assessment to demonstrate your continued need for benefits.
Contact Our St. Catharines Insurance Benefits Lawyers
If you or a loved one was involved in a serious car accident or other type of accident, you may be entitled to accident benefits through a no-fault claim. Contact our St. Catharines office at 289-438-2213 or our Kitchener-Waterloo office at 519-772-6797 to discuss your situation in a free, one-hour consultation.
