A car accident is a dramatic event that can
change our lives or the lives of our loved ones severely. The effects of a car
accident can damage our quality of life emotionally, physically and financially.
While generally people want the best for each other – with an ever changing
legal system and a health care program that is stretched as it is, when it
comes down to ‘who pays', no one really wants to step up and accept that
responsibility. Insurance companies, both your own and that of the person who
caused the accident, will not simply sign you a cheque for your pain and
suffering. Instead, you are going to have to fight for it – which is why you
need a lawyer on your team to get the money you deserve.
Ten Steps If You've Been Injured
If you have suffered a serious injury, you
need to follow these ten steps as soon as possible (a matter of days) to ensure
that you get the maximum amount of money that you might be entitled to:
- Stay calm, call 911, and work
with first responders when they arrive.
- Record the names and addresses
of everyone involved in the accident as well as witnesses. Take pictures if
- Speak to your family doctor and
keep them in the loop.
- Contact your insurance company
to let them know about the accident – do not make any final statements, just advise them.
- Notify your employer, school
- Record the names and contact
information of any of your health care people.
- Document your insurance
- Keep the receipts for every
expense related to your injury, and have family members also track the amount
of time and money they spent caring for you or the injured person.
- Check for any additional
insurance coverage you may have – sometimes schools, workplace, private plans
and even some credit cards offer some kind of personal injury insurance.
- Contact a car accident injury
lawyer and take the next steps to getting any money you deserve.
Time Limits on Making Claims
In Ontario, you should be aware if you want
to pursue a claim against someone in event of a car accident of some very rigid time restrictions. Your injury
lawyer will be able to explain these restrictions in clearer terms and ensure
that you do not let any of them elapse.
Inform the insurer of the
accident within 7 days.
Complete an accident benefits
application within 30 days of the accident.
Mediate and sue, or arbitrate
against the insurer within two years of a denial.
Provide written notice to the
at-fault driver within 120 days of the accident.
Sue the at-fault driver within
two years of the accident.
Loss or damage to your vehicle,
if it has not been resolved must go to court within 1 year of the car accident.
If you have been in an accident, you need to
follow these steps and make sure you do not go over any of the required time
limits by law. With the assistance of a great legal firm, you will be able to
recover lost monies and be paid the benefits you deserve for your pain and
suffering. Contact a car accident injury lawyer in North York immediately to
get the process started.