How to make an insurance claim for auto accident benefits
Question: I was involved in a car accident. How do I apply for accident benefits?
Answer: If you sustain injuries in a car accident in Ontario, you are eligible to make a claim for accident benefits, including income replacement benefits, medical benefits, rehabilitation benefits and attendant care benefits. Motor vehicle drivers are required to be insured for a minimum amount of insurance coverage, including accident benefits. You can still apply even if you are a pedestrian, cyclist or passenger and you do not have your own insurance.
How do I access these benefits?
In order to access accident benefits, you must notify your insurance company within seven days of the accident unless your injuries prevent you from doing so. Your insurance company will provide you with a package containing the Application for Accident Benefits (OCF-1)and other forms which must be completed. If you do not want to wait for the package, you can access the forms yourself on the Financial Services Regulatory Authority of Ontario (FSRA) website.
What if I don’t have insurance?
If you do not have insurance, there are rules for where to apply for accident benefits; i.e., the insurer of the other vehicle or the insurer for someone you are dependent on.
Completing the application accurately
The Application and other forms can seem overwhelming, and it is always advisable to seek legal advice in completing the forms.
Completing the accident benefit forms promptly and accurately will assist in ensuring you will receive your benefits in a timely matter.
If your application for benefits is denied or delayed, you should seek the assistance of an experienced personal injury lawyer who can advise you of your rights.
This article was originally published by The Hamilton Spectator.
