In Ontario, we have what is known as the Statutory Accident Benefits Schedule (SABS). If you have been involved in a car accident and were injured, you can make an application to your automobile insurance company for accident benefits.
Once you have submitted an application, you may be eligible to receive medical and rehabilitation benefits (i.e. physiotherapy, massage, chiropractic treatments, psychological treatment, occupational therapy), income replacement benefits and attendant care benefits.
During your claim, it is very important that you provide supportive medical evidence that demonstrates seriousness of your injuries and how your injuries affect your ability to work, perform housekeeping tasks or affect activities of daily living.
It is important to consult a lawyer as soon as possible after you have been in a car accident so that you can be aware of your rights and obligations as an insured person.
As an insured person, you have the right to fight a decision your insurance company has made about your benefits. If your insurer has reduced or denied a benefit, and you do not agree with the decision, you can dispute the decision by filing an application with the Licence Appeal Tribunal (LAT)-Automobile Accident Benefits Service (AABS) within 2 years of the date of the denial. Your lawyer can assist with this process and represent you before the Tribunal.
Our firm has assisted many clients with their accident benefits claims and helped them to resolve their disputes with their insurance companies. We offer a free initial no obligation consultation.