If you choose to pursue an accident benefits claims, paralegals can offer similar services that an accident lawyers do and at a very competitive rate. Being represented by paralegals is an efficient way to push cost savings for you. For accident benefits claims, as your injury paralegals, we offer our services on a contingency fee. With a contingency fee, we take no money up front for pursuing your accident benefits claim, but will charge you a percentage of your settlement. The Law Society of Ontario (LSO) does not regulate fees charged for paralegals and unlike lawyers, paralegals bills do not assessed by an Assessment Officer of the Superior Court of Justice, yet can be examined under the jurisdiction of Ontario Small Claims Court, which handles claims that are less than $35,000 in value or filing a claim at the Superior Court of Justice for bills higher than this amount.
If you or a family member has been hurt in a motor vehicle accident you may be entitled to compensation. Most insurance policies allow accident benefit claims (also known as statutory accident benefits or no-fault benefits). Here are some examples of conditions that may qualify you:
Income Replacement Benefits (IRB)
If your ability to make a living is seriously compromised in the first 104 weeks, you are entitled to 70% of your gross income with a maximum of $400 per week and depending on the specifics of your insurance policy; thereafter, benefits may continue for as long as you are disabled.
Medical & Rehabilitation Benefits
Regulations dictate that up to a fixed maximum of $3,500 under the minor injury guideline may be permitted, including assessment and examination costs. The same applies for non-minor injuries (up to a maximum of $65,000 combined for attendant care and medical and rehabilitation) and catastrophic injuries (up to a maximum of $1,000,000 combined for attendant care and medical and rehabilitation). There are many details in addition to these that your paralegal can discuss with you.
If your injuries prevent you from carrying on any semblance of a normal life you are entitled to up to $185 per week after the first six months.
These are for catastrophic cases only, normal policies do not include them.
Housekeeping & Home Maintenance Benefits
For those unable to maintain their homes due to catastrophic injury up to $100 per week may be available.
Attendant Care Benefits (for personal care)
For those who require it, up to $3,000 per month is available for non-catastrophic injuries (up to $36,000) to a maximum of five years and only as long as you are medically eligible, and up to $6,000 per month for the duration of the victim’s life if injury is catastrophic ($1,000,000 max).
Lost Educational Expenses
Benefits up to a maximum of $15,000 may be available, subject to meeting certain criteria, for injured persons who have lost educational expenses. This may include tuition, books, equipment, room and board and other related expenses.
Benefits of $25,000 may be available for the spouse of the victim; for their dependents, $10,000; to the person upon whom the victim was dependent, $10,000 and up to $6,000 for funeral expenses.
These may possibly apply to family members of those living with the accident victim if their visit is intended to support their treatment or recovery and in other specific instances.
We will come and visit you at the Hospital, Rehab or home as required. Book your appointment now.