If you have ever been in an accident, you understand how complicated the automobile insurance compensation system is. It can be challenging to determine and access the applicable accident benefits. Accident benefits are a crucial part of the automobile compensation system. However, understanding what you are entitled to and how to access the benefits can be overwhelming. After an accident, you may be wondering what the first step of submitting a claim in Canada is. A lawyer can answer your questions and guide you through the claim process.
After an accident, you should report to your insurance agent, broker, or company within seven days. If you do not report the accident within a reasonable time, the insurance company can fail to honour your claim. You should have the following information when calling insurance after an accident:
Police / accident Report
Insurance companies must act fast to investigate cases and make determinations. The insurance company should complete the investigation within 30 days. The insurer must provide a written explanation if it can’t complete the investigation within this period. After the initial letter, the insurer will give you a case update every 45 days.
Your claim for Accident Benefits cannot be settled prior to the one year Anniversary of the accident date. The amount you can get after an accident will vary depending on the circumstances of the accident and a variety of other complex factors. That’s why you need an experienced lawyer to work on your behalf and ensure you receive as much as possible in each case.
It is illegal to operate a vehicle without insurance coverage. What happens if you are injured in an accident, and no other insurance is available? In this case, the Motor Vehicle Accident Claims Fund is the go-to option for compensation. You may be eligible for compensation for the injuries you suffer and property damage. You can claim:
You can seek compensation from the Motor Vehicle Accident Claims Fund only if you have no access to any other insurance and you meet the following requirements:
Perhaps you do not have insurance, and you suffered injuries in a car accident. You might be eligible for compensation if:
When applying for accident benefits, you will need the following documents:
A Completed Employer’s Confirmation (OCF-2)
If your loved one dies in a vehicle accident, you can seek compensation on their behalf. When seeking death and funeral benefits, you will need the following:
You can apply for compensation for property damaged because of the accident. You will need the following when making a claim for vehicle damage against your own Insurance Company:
Insurance companies assign different adjusters to vehicle damage claims vs. personal injury claims and it is important to understand how to handle each one to make sure your interests are protected.
Contact An Experienced Lawyer Today
If you have been involved in a car accident in Mississauga, you should not face insurance adjusters on your own. Instead, you should contact an experienced lawyer to guide you through the insurance claim requirements and process. At Walter Law Group, we have helped many accident victims to seek compensation for their damages. Contact us today to speak to one of our lawyers.