When accidents happen and people are injured, their main focus would be on getting immediate and proper medical attention. Once this has been taken care of, victims and/or their families would have to deal with other aspects like medical bills, treatment and rehabilitation, meeting household expenses, dealing with employers, loss of wages etc. At this point, it’s wise to consult a reputed personal injury law firm to explore the possibility of seeking compensation for your injuries/losses.

Accidents are caused by someone’s fault or negligence and the injured are entitled to seek compensation from those responsible for the accident by making a personal injury claim. This can be done with the help of a top personal injury lawyer in Ontario.

Compensation claim settlements are usually paid out by insurance companies. Most of us are unfamiliar with both personal injury laws and insurance regulations. Additionally, there are frequent changes, additions, amendments etc that make the process extremely complex. Hence, to achieve the desired result, it’s important to know how to find a personal injury lawyer who has the experience and expertise in handling your type of cases.

Subrogation

Among the complicated issues that exist in insurance regulations, the subrogation rule is one that very few have even heard of. It can broadly be defined as a rule that allows one party to make payment for damages and then recover the money from the party that actually should have made the payment in the first place. “Subrogation” actually means standing in place of another. If this sounds complicated, it actually is!

An experienced car accident lawyer can explain it clearly to you and ensure that your rights are protected when the final settlement is made.

How It Functions

Auto accidents can result in a variety of losses and injuries. When the injured person decides to claim compensation from the at-fault party’s insurers, there may be delays and they may decide to claim compensation from their own insurers although the fault was not theirs. However, you need to keep your own insurers informed about it. In such a case, your own insurance company settles the claim and then takes up a subrogation claim against the at-fault party’s insurers themselves.

What You Need To Know

Subrogation is really the final end of the claims process. It may not directly affect you. In most cases, you may not even get to know about it. However, your insurers are supposed to inform you that they are pursuing a subrogation claim. There may be future consequences if your insurers decide to pursue the subrogation process even after they have made the settlement.

The best personal injury litigation lawyers in Ontario, Canada can advise you that if your insurance company pursues subrogation, it will conduct its own investigations. If the results show that you were also partially to blame in causing the accident, the amount deductible would be in proportion to your share of liability/blame.

While settling with at-fault parties’ insurers, read the fine print carefully for any waiver of subrogation clauses.  Hence, it’s wise to entrust the entire process to top-rated accident lawyers so your interests are protected.

If you, your family or a friend has been injured in an accident, please feel free to speak to one of our injury lawyers for a free consultation about how we are able to assist in making a personal injury claim. We consult in all cities across Ontario with a no win no fee guarantee. Our personal injury lawyers have helped victims secure millions of dollars in personal injury cases. Call us Toll Free On our 24/7 Injury Hotline: 1 – 844 495 7333 or Text a Personal Injury ‎Lawyer 24/7 and get instant help. (416 931 5015)