No fault accident benefits are in place in Ontario to ensure that individuals involved in motor vehicle accidents can obtain coverage for various benefits provided through their insurer, regardless of if they are at fault for the accident or not. Understanding these benefits is crucial, as they can impact both the medical and financial support you receive after your accident.
One of the most important benefits provided through this system are medical and rehabilitation benefits. Your insurer should pay the cost of your reasonable and necessary medical rehabilitation, therapy, and other medical expenses. This provides coverage for treatments such as psychological therapy, physiotherapy, chiropractic therapy, and massage. However, the denial of such benefits leads to an application at the License Appeal Tribunal where the necessity and cost of such treatments will be disputed.
No fault accident benefits also provide coverage for income replacement benefits, which offer compensation for your lost income as a result of being unable to work after the accident. These benefits are calculated based on your gross income and do not exceed $400 per week.
There are also caregiver benefits, which are available to individuals who sustained significant injuries in a motor vehicle accident where they were the primary caregiver to their family. This optional benefit can provide reimbursement when hiring someone to help take care of your family if you can no longer care for them as a result of your injuries.
If, because of your injuries, you cannot take care of yourself with respect to grooming, meal preparation, feeding, laundry, taking medications, cleaning, and hygiene, you may be entitled to attendant care benefits. This covers the cost of hiring someone to assist with your daily tasks.
No fault accident benefits can be considered as a lifeline to individuals injured in a motor vehicle accident. It is crucial to understand the intricacies of these benefits and that you take proactive steps to ensure that you receive the support you need for your recovery. Having the right legal guidance can make a significant difference in the type of support you can expect to receive from your no fault accident benefits insurer.