Motor car accidents are unfortunate for everybody, especially the individual who gets hurt or, worse, loses their life. People who get injured during a motor vehicle accident are automatically entitled to an ‘Accidents Benefit’ claim. If you were driving, were a passenger, or were walking on the road when the accident happened, you should get the accident benefit. However, the accident claim does not affect your insurance rate. 

The ‘accidents benefit’ claim can support you while you recover from the injuries. It can provide you therapy money, money to pay your medical bills, and take care of yourself while at home or hospital. You will require our Personal Injury Lawyer Brampton, to get the money. 

Steps after the accident

• Inform the police about the accident
• Do not skip informing your family, school, or employer
• Inform the accidents benefit company about your accident within seven days
• Look for other insurance coverage plans that you might get through work, college, school, private programs, etc.
• Consult your family doctor if you have one for the injuries and the accident
• If you are conscious and are in the condition to ask for the names and details of eyewitnesses and other motorists involved in the accident, do so
• Keep all the medical bills, expenses records and dates, and receipts that you or your family had to bear for the accidents benefit
• Contact our injury lawyer in Brampton to protect your rights and get advice

Obtaining the Accidents Benefit

The first step of claiming the accident benefit is to call the right insurance company to apply for the claim. Apply within seven days of the accident, after which either the claim may not be valid, or you get the claim late. The sooner you apply, the better. You will need things like therapy, assistive devices, attendant care, or equipment after getting discharged from the hospital. By calling the insurer early, you can avail of these benefits and services soon after leaving the healthcare hospital. You can get the application to apply by the insurance company, hospital, or contact our Brampton Personal Injury Lawyer. 

To obtain the compensation for your family’s time to take care of you, a clinical therapist or professional nurse should complete a form called form 1 – ‘Assessment of attendant care needs.’ However, this compensation needs the expenses to qualify as an ‘incurred expense.’ Some other forms must be filled and applied to get the accidents benefit. Our personal injury lawyers can help you meet the criteria for this benefit and take the burden off your shoulders. 

Key Accident Benefits

These benefits apply to anyone who got injured in a motor vehicle accident:

• Medical and Therapy Benefits – pays for the therapy, medical bills, equipment required, medications, housing changes, and transportation
• Benefits to the attendant’s caregivers – compensating family and everybody else who spend time and resources while caring for the injured
• Income Benefits – compensating the wounded for the loss of income or the inability to work to get income up to a maximum of $400
• Visitation Expenses – reimbursing the family members for the money spent on visiting the injured, including parking, accommodation, meals, and travel
• Services of the person managing your case – compensating the individual who is handling your health and assisting you with recovery, but this benefit is valid only for ‘catastrophic impairment’ cases

 There are other additional benefits, such as home maintenance expenses, lost education expenses, housekeeping, caregiver expenses, etc. The compensation for all the benefits depends upon the severity of your injuries and whether the services are available to you or not. Please keep all the receipts and medical bills with you safely that you or your family have paid for because your benefit depends on them. 

Calling the correct insurer

From this list, contact the first insurer that is relevant to your case:

• Your motor vehicle insurer
• The motor vehicle insurer of the of which you were a commuter
• The owner or at-fault driver’s insurer
• If there are other motor vehicles involved in the accident, then their insurer

After calling, let them know that you wish to apply for an ‘accidents benefit’ claim. They will ask you some details and questions such as the injured person’s name and age, level of severity of injuries, fundamental aspects of the accident, and your motor vehicle information and insurance policy number. While speaking to your insurer, make sure that you do not go into details as it may hurt your benefits right. Our personal injury lawyers, Brampton, recommend the same.

The insurer will send you the application to apply for the claim, and then an adjuster will be assigned to your case, who will be your primary source of contact throughout the process. They will also provide you with the claim number. Fill the application and send it to the insurer within 30 days of receiving it. If you fail to do so, you will not be able to get compensation. If there is a disability certificate, too, in your case, send the certificate and application as soon as possible to avail of the benefits on time. You can avail the accidents benefit even if you already have a private health plan. Usually, private plans are more limited and reimburse a lesser amount compared to the benefits. It is considered prudent to apply to both the health plan insurance company and the benefits insurer. 

If you need to file a lawsuit against the at-fault party for issues that cannot get solved outside court, you have two years from the accident date. 

It is hard to assess all the legal rights and benefits you are entitled to after the accident. Therefore you must hire our personal injury lawyer in Brampton to make the process smoother and assist you throughout. Our experienced lawyers will not charge you for a meeting or fundamental advice, and you will have to pay them the fees only after hiring. Contact our team of expert lawyers for more details and a free of cost consultation!