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.
This is a kind of car accident which tends to happen far more often than we’d like to admit in the province of Ontario. Luckily for you, the injuries to your body aren’t as serious – you have a few bruised ribs and that’s basically it. Adding to it is the pressing pain in your back but apart from that you are fine. However, the doctor says that you have to rest for a couple of weeks in order to recover entirely and to get back to your regular life. This is the thing that worries you the most because you will have to skip work and hence miss on critical payments to provide for your family. In your case it’s just a few weeks while in other situations it could be months, years or it could even be permanently.
Luckily for you, the Canadian law works in your favor. The first thing that you need to do as soon as you realize that your medical condition is better is to call a personal injury lawyer. They are going to help you find out the merits to your case and you will be capable of getting the monetary compensation that you are legally entitled to. This is something that you need to account for thoroughly because it’s of significant importance. Make sure to get in touch with the lawyer because otherwise the insurance company is going to take advantage of your lack of experience and knowledge and you are likely to get a fraction of what you are actually entitled to. Insurance companies try their best to deny or lower the claim as much as possible. That is why dealing with the insurance company should be best left to professional lawyers.
In any case, there is a specific section in the Insurance Act of Ontario which allows you to direct your claim towards the insurance company. This is the so-called no-fault rule as it is regulated and set forth in the Fault Determination Rules. This is a very important thing to consider as it’s going to provide you with a wide leeway to get the compensation that you are actually entitled to. With this in mind, it’s a good idea to talk to your lawyer first.