Accident Benefits Category Archives

Ontario Government’s $1 million course correction!

Contained in the 2019 Ontario Budget, Protecting What Matters Most, the government announced that it will be restoring the ‘missing million’ in auto insurance coverage for the most seriously injured, or “catastrophically impaired”, that was slashed in 2016.

Updated: How Insurers Deduct Thousands from Accident Victims’ Compensation

car and driver on the road

Imagine for a moment that you are suddenly injured in a car accident for which you are not at fault and are now stuck with its consequences, which most often include pain, suffering, loss of enjoyment of life, and impairments which impact your ability to earn a living.

What is a ‘Form 1’ and why do I need it to get accident benefits?

If you are seriously injured in a car accident there are many benefits available that a personal injury lawyer can help you apply for. One of these benefits is called ‘attendant care’ and it relates to services provided around the home. Examples of attendant care include: dressing, undressing, grooming, preparing food, eating food, taking medication, bathing and exercising. Many seriously injured people have difficulty with …

“Reasonable And Necessary” Treatment: What Does It Mean?

Your automobile insurer is supposed to pay for all “reasonable and necessary” non-OHIP-covered medical treatment (up to specific monetary limits).  This includes things like: Physiotherapy Counselling Occupational Therapy Rehab Support Chiropractic Acupuncture Massage Therapy and Mobility devices Treatment is important for any person’s recovery from injury.  Treatment can alleviate pain and increase function. But, often automobile insurers will balk at paying for treatment, stating “that’s …

The Interaction Between Accident Benefits and the Ontario Disability Support Program (ODSP)

Aviva Canada Inc. v. Sidhu, 2018 ONSC 6506 (CanLII)