The insurance company focuses on determining the identity of the at-fault party, so that it can know who must be held responsible for covering the accident-linked damages.
There is always a significant surge in car injuries and accidents during the holiday season. Several factors lead to car accidents, such as a rise in travel traffic and drunken driving-related car accidents. Listen to your Injury Lawyer’s advice in Mississauga and follow the holiday season rules to have a safe holiday.
Now, being involved in a car accident is capable of causing a lot of issues and damages, all of which have to be thoroughly compensated for in order for the victim to be able to go on with his life as usual. Identifying the most important types of expenses is critical and it’s done consistently. However, there are a lot of additional expenses, different from the ones that most of us are usually used to hearing about.
Being involved in a car accident is going to bring quite a lot of damages, not only to you but to your vehicle as well. With this in mind, if you are going to be filing a vehicle damage claim after an accident of the kind and the insurance company says that your car is a total loss, what do you do? What will happen if you are not on board with the valuation of the insurer? Does it matter whether you are dealing with your own insurer or the one of the other driver? Let’s find out.
There are quite a lot of things that you need to be doing if you want to see the end of your personal injury claim and especially if you want it to be successful. With this in mind, notifying the parties about the fact that you are about to file a claim against them, is undoubtedly one of the first things you need to do. If you have been injured in any kind of an accident it is critical to notify anyone that might be liable. You don’t really need to know who the person at fault was; you just need to think about the one who might have been at fault. What is more, in the start, you wouldn’t have to provide them with any detailed information. All that you need to do is to inform them that there was an accident which took place at a certain time and that you were injured in it and, of course that you are going to be filing a personal injury claim.
The thing is that there are quite a lot of different scenarios under which a car accident can unfold. The best case version would be for both drivers to shake hands and be cooperative when it comes to handling the case. However, that’s rarely the case. In most situations there are going to be arguments and in some of them the driver would even go away without stopping. That’s referred to as a hit and run accident – when you’ve hit a pedestrian or another vehicle but you do not stop to get the case resolved with the intention of getting away with it.
There are quite a lot of different injuries which could stem from the general accidents which encompass personal injury law and that’s most definitely something that you want to take into proper account. With this in mind, one of the most subtly dangerous injuries that you can go through is whiplash. This is basically a non-medical term which lawyers and practitioners use in order to properly describe a range of injuries to your neck. This is an injury which is most commonly caused by a sudden extension or a flexing of your neck secondary to an injury which happened at high speed such as a car accident, for example. Of course, this is something particularly abstract and it’s important to provide further clarification.
Imagine the following – you are driving to work as if it is a regular Monday morning. However, a car crosses right over the opposite lane and head crashes you directly. Fortunately, the safety systems of your car are brand new and the airbags manage to deploy in an instant. To add to this, you are also wearing your seat belt, so the injuries aren’t fatal. However, you immediately feel pain in your ribcage, your back and your head. At the same time, you are in utter shock of what happened and you are too paralyzed psychologically to consider the tremendous damages to your car.
Ontario is the state with the most car accidents in Canada. As unfortunate as it may be, car accidents are also the most tremendously dangerous road-traffic accidents and are therefore the cause of thousands of deaths every year. Throughout the moment of the crash, passengers and the driver are subjected to immense shearing and gravitational forces which could result to dramatic injuries and, unfortunately, in death. However, from a legal stand point, there is a huge difference between both outcomes, so let’s go right ahead and take a look at the actions that follow in each scenario.
Now, if you’ve been involved in an accident and want to seek compensation of the damages that you’ve had to incur as a result of said accident, you’d normally file a claim to your insurance company. In the best case scenario, you are going to be assigned an adjuster who’s going to conduct an investigation of the accident and adjust your compensation accordingly. If you are in luck, the compensation is going to be comparatively relevant and you are going to get a good amount of money. However, that’s not always the case.
In certain situations, the insurance company might as well deny you the claim and refrain from awarding you with compensation. This is something which is not so uncommon. That’s why it’s important to be well aware of your options.
Regulations for insurance It is very important to be aware of the fact that you have options available even if you’ve been denied the claim or you disagree with the company on certain aspects of the claim such as the amount, most commonly. The insurance industry as a whole is governed and regulated by the FSCO (Financial Services Commission of Ontario) as well as by the Insurance Act. They set forth the rules and regulations for all of the insurance companies to follow.
There is one particular section – section 280 of the Insurance Act which states that either one of the parties can effectively refer a disagreement or the insured party should refer to a mediator. If the mediation fails, then both parties are entitled to go ahead and proceed with arbitration or court procedure. The mediation is usually a non-binding proceeding in which someone outside of the argument is going to hear the statements of both parties and make a decision for them. The arbitration procedure is the same but the difference is that the decision of the arbiter is binding for both parties.
Now, as per the general legislation of Ontario, you will have two years to file a claim, start mediation or arbitration. So, it’s safe to say that even if the insurance company goes ahead and denies your claim for compensation or the amount is widely inappropriate, you still have quite a few options in front of you. This is something incredibly beneficial because it provides you with a large path to maneuver and be flexible in negotiations. The best thing you can do is hire an experienced lawyer to handle all of the negotiations and procedures. This is going to ensure that everything is handled perfectly and up to the highest industry standards – something that can very much get you the much desired compensation. The main reason is that the lawyers understand the nuances of the laws and regulations pertaining to Insurance Act. This will ensure that the will be with you at every step, ensuring that you get the justice that you deserve.