When you have been involved in a car accident, there are many steps and things to remember if you are going to pursue a first party claim with your own insurance company and a third party claim against the person responsible for the accident.
But, what are the most important steps you should take as soon as an accident has happened? Here is some helpful information that we think you should take into consideration:
We recently blogged about social media and personal injury cases. Insurance companies are using social media as a means of surveillance to try to find out more about a claimant’s character, and their credibility.
Insurance companies and their adjusters are increasingly relying on social media as an investigative tool.
People who receive long-term disability benefits should be aware that LTD providers often require, as part of the LTD contract, an application for CPP Disability Benefits to be made. This is dealt with under the “Offset” or “Coordination of Benefits” section of most group LTD Policies.
In order to qualify for accident benefits one must be able to establish that their injury occurred in the course of the use or operation of an automobile. According to the Statutory Accident Benefits Schedule (SABS), an “accident” means “an incident in which the use or operation of an automobile directly causes an impairment or directly causes damage to any prescription eyewear, denture, hearing aid, prosthesis or other medical or dental device".
What are the threshold and statutory deductible?
There are generally two ways to seek compensation. First, you may be eligible to claim certain benefits from an insurance company or the Motor Vehicle Accident Claims Fund. These are sometimes called “no-fault accident benefits” and they are usually available no matter who is at fault for the accident. Secondly, if another person is at fault for the accident, you may be entitled to claim an award of damages.