Payment made by an automobile insurance company to persons injured in an automobile accident. In Ontario, accident benefits can be claimed by any personal injury victim regardless of who is to blame for the accident (no-fault benefits).
The benefits you may be entitled to come in many forms and are sometimes known by different names. These can include:
- Attendant Care Benefits
- Caregiver Benefits
- Collateral Benefits
- Death and Funeral Benefits
- First Party Benefits
- Housekeeping and Home Maintenance Benefits
- Income Replacement Benefits (IRB)
- Lost Education Expenses Benefits
- Medical Benefits
- No-Fault Accident Benefits
- Non-Earner Benefits
- Optional Benefits
- Rehabilitation Benefits
To receive accident benefits from your insurance company you will be required to fill out numerous forms that are available on the Financial Services Commission of Ontario website. Please note that claims for certain accident benefits must be made within 7 days to your Accident Benefits insurance company.
If you require assistance filling out the forms or if your insurance company is denying your claim, contact The Morris Law Group’s Personal Injury Lawyers today.
Accident Benefits Consultant
Licensed paralegals who are experts at guiding clients through the accident benefit process. Accident Benefits Consultants (ABCs) take the burden off of clients by acting as front-line advocates while providing day-to-day assistance and information to ease the process and to make sure that everything possible is done to allow clients to access all of the benefits that they are entitled to receive.
Learn more about the benefits of working with Accident Benefits Consultants at The Morris Law Group.
Automobile Insurance Claims
Insurance claims relating to automobile accidents. The Financial Services Commission of Ontario (FSCO) publishes a list of standard Auto Insurance Claims Forms (OCF Forms) that must be competed in order to make automobile insurance claims in Ontario.
It is important to speak with an experienced personal injury lawyer prior to completing any claims to ensure that you receive the compensation you deserve. If you already completed the forms and have been denied by your insurance company, contact us today.
Damage to the brain caused by one or more issues either before birth (from congenital or degenerative disorders) or after birth, sometimes called an acquired brain injury (ABI). ABIs are divided between those caused by external traumas (e.g., automobile accident, medical malpractice) or non-external factors (e.g., stroke).
Traumatic brain injuries (TBI) can range in severity from mild (a.k.a., concussions) to much more severe injuries that can be fatal. TBI victims are often measured against one or more scales such as the Glasgow Coma Scale (GCS), the Glasgow Outcome Scale (GOS), or the Rancho Los Amigos Scale (RLAS) to help determine the extent of their injury and the prospect for recovery.
Victims of brain injuries often face many hurdles and may suffer from amnesia, aphasia, nausea, dizziness, or impairment to their cognitive abilities. These injuries can result in the inability to work causing financial stress on your household, emotional strains on relationships with family and friends, and an overall decrease in quality of life.
A designation for serious impairment caused by catastrophic personal injuries that includes quadriplegia, paraplegia, amputation, loss of vision, largescale physical impairment, and traumatic brain injuries, among others. Victims are determined to be catastrophically impaired are entitled to additional accident benefits.
Payment to a personal injury lawyer only in the event of a favourable result. It is made up of a percentage of the eventual settlement as determined by a retainer agreement signed between the injured victim and their personal injury lawyer(s). Contingency fee agreements are the most common legal fee agreement used by personal injury law firms in Ontario, including The Morris Law Group.
The benefit of contingency fee agreements is that they allow injury victims who cannot afford to pay upfront legal or out-of-pocket medical fees the same opportunity to seek justice for their injuries starting with a free no-obligation consultation all the way to a positive resolution.
Financial compensation sought by an injury victim following an accident. Compensation comes in many forms and can include general damages for pain and suffering as well as future damages for lost income and ongoing medical and rehabilitation expenses.
Someone who relies on another person for support, often financial support. This most frequently refers to children under the age of majority but can also include other persons such as people with mentor or physical impairment.
If you have been injured in an automobile accident, your first step is to obtain medical attention. We then highly recommend you contact a personal injury lawyer as soon as possible.
A company that offers insurance policies that provide clients with indemnity against possible future events.
When a personal injury victim makes an insurance claim following an accident, their insurance company (represented by an adjuster) may conduct an examination to determine what damages they will provide.
Legal obligation. In personal injury law, liability represents the responsibility of the at-fault party for injuries sustained by an injury victim (or victims).
A time limit for taking legal action that is governed by a statute of limitations. In personal injury law, there is a limitation period for making a statement of claim, after which time a claim cannot be made. These deadlines require you to:
- report an accident to your insurance company (or to the insurer of the vehicle in the accident) within 7 days of the accident;
- complete and submit your accident benefits application within 30 days of the accident;
- contact the at-fault driver that you intend to sue within 120 days of the accident; and,
- file a lawsuit against the at-fault driver within 2 years of the accident.
These strict deadlines make it even more urgent for victims to contact an experienced personal injury lawyer without delay.
Long-Term Disability (LTD)
Learn more about how The Morris Law Group can help you with your disability claims.
Improper behaviour or unethical conduct by a professional. In personal injury law, this commonly refers to medical malpractice: a form of professional malpractice involving improper behaviour or negligence by a medical professional (e.g., doctor, nurse, pharmacist, dentist, etc.) that results in an injury.
Mediation & Arbitration
Alternative dispute resolution (ADR) methods that are generally less adversarial, costly and time-consuming than litigation.
In mediation, a neutral third-party mediator facilitates a resolution between opposing parties without imposing a final decision.
In arbitration, a neutral third-party arbitrator facilitates a resolution between opposing parties by making a binding final decision. Participation in arbitration is usually voluntary for both parties.
Insurance that indemnifies victims regardless of whether or not they were responsible for the accident. In Ontario law, all automobile insurance is no-fault insurance.
Personal Injury Law
The area of law that deals with the ramifications of personal injuries. These can be caused by automobile accidents, child injuries, disability claims, dog bites and animal attacks, head, neck and back injuries, malpractice, and slips and falls, among others. Personal injury law refers to recovering compensation following the violation of tort law.
At a personal injury law firm, service for injury victims and their families is typically provided by a personal injury team comprised of a lawyer (sometimes called an attorney or barrister), an accident benefits consultant or paralegal, and, at firms like The Morris Law Group, a licensed healthcare professional.
Statement of Claim
The document issued by the plaintiff that begins a lawsuit. In it, the injury victim (the plaintiff) and their personal injury lawyer state their case against a defendant and claim damages. It describes the events associated with the injury and the resultant injuries themselves. The statement of claim is typically countered by a statement of defence.
Statement of Defence
Death due to the negligence of another person, company or organization, often the result of a motor vehicle accident. A wrongful death claim can be initiated by family of the deceased against the alleged at-fault party.