Completing the Application for Accident Benefits is the single and most important step in any car accident case.
Without a completed Application for Accident Benefits, your car accident case; both for tort and accident benefits won’t get off the ground.
Failure to complete an Application for Accident Benefits can nullify your claim, no matter how legitimate that claim might be.
So where does one start? Good question!
After you’ve been involved in a serious car accident; or accident arising from the use or operation of a motor vehicle (motorcycle; bike/car; car/pedestrian; truck), you will first need to contact your own insurance company.
Sounds crazy right! Why on earth would you have to call your own insurance company to report a car accident that wasn’t even your fault.
But that’s how Ontario’s no fault system of accident benefits works. Regardless if the at fault driver was drunk driving, while texting and smoking cannabis all at the same time causing him to run a red light; you will still need to contact your own insurance company to make an accident benefit claim.
Your own insurance company is responsible for paying those accident benefits. It gets trickier if the injured party is a pedestrian, cyclist, or a passenger without insurance. It gets even tricker if none of the vehicles involved in the car accident didn’t have car insurance. That’s what insurance lawyers and personal injury lawyers are for. Sorting out those tricky and ever complex coverage disputes which insurers seem to love to argue over.
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