Accidents - Personal Injury Lawyer Toronto

Accident benefits are available to anyone involved in a motor vehicle accident under what is known as the Statutory Accident Benefits Schedule (SABs). These benefits are known as the “no-fault” benefits. Romano Law Firm understands the crucial demands and timelines that have to be met in order protect your entitlement to accident benefits:

* You must notify your insurance company immediately of the accident (If you do not have an insurance company, notify the insurance company of the other vehicle(s) involved in the accident).

* You must complete the application forms (including a form substantiating your income loss which must be completed by your employer and a form substantiating your injuries which must be completed by a treating physician).

* If you were self-employed, you must be able to substantiate your income and may require the assistance of an accountant.

* You may have to provide a sworn statement to a representative of the insurance company about the circumstances of the accident and the injuries arising from it.

The following Accident Benefits may be available:

* The income replacement benefit amounts to 80 percent of your net income from employment, to a maximum of $400.00 per week. This benefit is payable for two years after the accident so long as you are substantially unable to perform the essential tasks of your employment. The income replacement benefit will only continue after two years if you have a complete inability to engage in any employment for which you are reasonably suited by education, training or experience.

* If you were unemployed at the time of the accident, you are not entitled to any weekly benefit in lieu of income for at least six months. However, if you suffer a complete inability to carry on a normal life after six months, you will become entitled to a minimum non-earner benefit.

* If you were a primary caregiver at the time of the accident and are unable to carry on your care giving activities, you are entitled to receive the reasonable costs of paying for professional care to a maximum of $250 per week plus $50.00 for each extra child.

* Medical and rehabilitation expenses are generally limited to $100,000.00. If your injury is determined to be “catastrophic" as defined in the regulations, the cap of the medical and rehabilitation benefit is increased to $1,000,000.00.

* There is a benefit for attendant care made necessary by the accident. This benefit is generally limited to $72,000.00. However, if your injury is catastrophic, you may recover up to $1,000,000.00.

* A death benefit is automatically payable to the deceased's spouse and dependents. A spouse receives $25,000.00 and dependants receive $10,000.00.

* Funeral expenses are paid to a maximum of $6,000.00.

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