Canadian automobile insurance regimes are intricate. People generally do not consider the details of their vehicle insurance policy until they are involved in an accident. Benefits that are available to the member and their legal obligations will fundamentally depend on the merits of each case. A personal injury attorney who will be able to assess the case and provide the best possible options can make an assessment of each case.
Some provincial governments in Canada have attempted to allow injured people to be reimbursed for any economical losses sustained in an accident, irrespective of which motorist has caused the collision. No-fault benefits or accident benefits are governed by the Insurance Act and are available from most Canadian vehicle insurance policies.
Medical and rehabilitation expenses, nursing care, housekeeping expenses and income replacement benefits are available under standard Canadian vehicle insurance policies.
Canadian insurers are required to inform policyholders of their right to add “optional benefits” to their basic or standard packages. This will provide injured vehicle insurance policy holders with added benefits in case of an accident.
An Application for Accident Benefits must be completed and submitted it to the vehicle insurance policy provider as soon after an accident as possible and medical evidence is required to prove the extent of injuries sustained in order to claim accident benefits.
Injured motorists in Canada may sue for loss of earnings and other expenses incurred resulting from a motor vehicle accident. Under Canada’s Insurance Act, injured motorists are entitled to 80 percent of the net income after-tax lost up to the date of the trial, and 100 percent of lost gross future income after the trial. However, should the injured individual be able to return to their place of work, post-accident earnings will be deducted from their loss of income claim.
Close family members and spouses of injured motorists are also entitled to sue in tort for certain losses incurred resulting from a vehicle accident, as governed by the Canadian Family Law Act. Losses incurred could include losses of guidance, care and companionship, which the injured spouse is now unable to provide.
Third party vehicle insurance policies cover the member if an under-insured, uninsured or unidentified motorist caused the accident.
Many motorists injured in accidents don’t realize that they are entitled to sue in tort, therefore it is suggested that they see a legal advisor at their earliest convenience to be able to make an informed decision regarding their legal rights. This should be done timorously in order to avoid deadlines and notice periods being missed Many reputable attorneys will offer this consultation to motorists at no charge.
Vehicle insurance policies in Canada differ from province to province. Certain types of vehicle insurance policies that are mandatory in one province may not be mandatory in other provinces.
For instance, Quebec has a Provincial Fund which provides payments for medical care instead of Personal Injury Claims as well as fixed amount payments for Loss of earnings as well as pain and suffering.
Other types of vehicle insurance policies that Canadians can opt for include collision coverage and third party vehicle insurance policies.
In order to ensure that your vehicle insurance policy pays, report the accident to the insurance company straight away. The accident also has to be reported to the police. Insurance claims must be filed within 90 days of the accident.
All drivers should protect themselves with the best car insurance policy. By entrusting in a reliable auto insurance dealership, you are guaranteed efficient roadside assistance during times of crisis.