Tuesday, August 16, 2011

Information About No-Fault Car Accident Benefits

1. I was injured in a car accident. Am I entitled to compensation?

need to. These benefits are "statutory accident benefits" is called. Statutory accident benefits system is a "no fault" is going on. This means that, subject to certain limited restrictions, you may be entitled to compensation even if you are the one that caused the accident.

As an injured party, regardless of the benefits you well whether you are a driver, passenger, cyclist or pedestrian could be entitled to receive had. You, as well as their family members and dependents, often receive benefits even if you can crash the car was not insured.

There are often disputes about what benefits you are entitled to and what you are required to participate in the insurance assessment.

2. How can I benefit?

Benefits are not payable for the first week and you will qualify for disability benefits to meet the test. Disability trial and after more than two years have passed since the accident is difficult to.

Whether you are an employee or self-employed person you can receive income replacement benefits. The maximum you can receive is generally $ 400 per week, unless other optional benefits are an increase in the purchase.

If you are self-employed, more complicated to calculate your income and insurance companies often hire accountants to assist them with these calculations.

Non - making profit - you get these benefits if you are 16 years of age or older and 104 weeks after the accident as a result of the accident, inability to carry on a normal life to be faced. Explain what a lawyer "to complete inability to carry on a normal life" and that word means that cases can assist in the interpretation.not planned shows.

Non-earner benefit amount is usually $ 185 per week, although nothing will be payable for disability the first 26 weeks. However, if your disability has lasted for weeks more than 104, if after the initial 104-week period will be entitled to receive $ 320 per week.

Caregiver Benefits - These benefits may be payable to you (injured person) is in need of care (such as a young child or an elderly parent) living with the person before the accident and for these services may not be paid.You should note that income replacement, non-earner and caregiver benefits, is only one of these three benefits can be paid in any period of time.

Medical and rehabilitation benefits - medical, surgical, dental, optometric, hospital, nursing, ambulance, audio, metric, speech language pathology, chiropractic, psychological, occupational therapy, physical therapy, medication reimbursement for the reasonable and necessary expenses deals with this benefit, prescription eyewear, dentures, hearing aids, wheelchairs, prosthetics, orthotics, and therapy sessions (injured person traveling in the vehicle except the first 50 kilometers) from the transportation, work / home / vehicle modifications, life skills training, counseling, and vocational assessments.

If you do not submit a treatment plan, the insurance company could refuse to compensate for the treatment. Treatment plan by a health professional to be prepared and signed by one of the following - a doctor, psychologist, physiotherapist, dentist, or optometrist.

If you have "suffered catastrophic loss, your life you spend more than $ 1,000,000 may be entitled to receive.

Attendant Care Benefits - This benefit is an ally or an attendant who helps you because of your injury may provide compensation for the services.

For two years to a maximum of $ 3,000 per month may be entitled after the accident.require care services from a health professional can provide you with a certificate.

Funeral and death benefits - when a person dies due to a car accident, his or her property for the reimbursement of funeral expenses to a maximum of $ 6,000 may be entitled.

Deceased spouse's dependents, and caregivers may also be entitled to death benefits.Within 30 days of a person who dies before the deceased or the deceased for the benefit payable.

Receive $ 25,000 if the deceased was married to a husband. If the deceased was not married but had dependents, $ 25,000 will be divided equally among the dependents. $ 25,000, on top of ex-spouses and dependents of the deceased (the deceased had an obligation to pay spousal support) will be entitled to $ 10,000.

If the deceased himself or herself at the time of accident (eg if the deceased is a minor child) was dependent on the $ 10,000 figure was dependent on the deceased (eg parent or grandparent) payable to, or be that person that person is dead surviving spouse or dependents.

Visiting Expenses - If you sustained injuries in a car accident, his family members and individuals who are living with you at the time of the accident was the reasonable and necessary expenses incurred as a result of all of you to come visit reimbursement may be entitled during their treatment or recovery. Only 104 visitors within weeks after your accident will be reimbursed for expenses incurred, unless your injury is catastrophic.



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