After a car accident takes place, you may feel out of your element. How do you work with the legal side of the case, so you can get compensation for your medical bills, lost wages and other financial losses? What can you expect to have happen to you; can you keep getting the care you need?

On behalf of Joseph Caprara of CBLAW posted in Car Accidents on Tuesday, May 5, 2015.

After a car accident takes place, you may feel out of your element. How do you work with the legal side of the case, so you can get compensation for your medical bills, lost wages and other financial losses? What can you expect to have happen to you; can you keep getting the care you need?

In Ontario, every type of car insurance has something called Statutory Accident Benefits Coverage. This coverage is required by law and helps you recover the income you need to get the care you require. This benefit provides compensation even if you’re the one at fault for the accident.

There are several kinds of compensation that the coverage provides. Income replacement can be provided for those who have had to miss work and lost wages. For those who aren’t earners for their household, the non-earner compensation benefit can be provided if they are no longer able to live a normal life and don’t qualify for other types of income replacement.

Medical bills are paid through the medical coverage, and rehabilitation coverage can also be provided. For some, a long-term nurse or attendant will need to be provided, and this is covered through attendant care.

Of course, there are other expenses you may have because of the accident. If your family spent money to visit you, if you have to change the layout of your home because of a disability or even if you’re unable to continue your education, there is compensation available for those situations.

Those who pass away in accidents leave behind two benefits for their families. A death benefit provides money to your family, and a funeral benefit pays for some funeral expenses to help reduce the burden on your family.

Source: Financial Services Commission of Ontario, “After an Auto Accident: Understanding the Claims Process,” accessed May. 05, 2015