Navigating the aftermath of a car accident can be incredibly stressful for those involved and their families. At Car Accident Attorneys Near Me, we recognize the challenges that come with such experiences. Dealing with the consequences of a traumatic injury can quickly become overwhelming.
This guide will clarify the essential aspects of car accident benefits in Ontario, from the types of auto insurance coverage available to how fault impacts a car accident claim.
Key Types of Auto Insurance Coverage in Ontario
In Ontario, drivers are legally required to have several types of insurance coverage related to personal injuries:
- Essential Liability Coverage: Minimum coverage of $200,000 to cover third-party injuries.
- Mandatory Accident Benefits: Provides financial support regardless of fault.
- Uninsured Motorist Protection: Ensures coverage if the at-fault driver lacks insurance.
Most policies also include Family Protection Coverage under an endorsement called the OPCF-44R.
Comprehensive Liability Coverage
Liability insurance covers claims from lawsuits if you cause injury to someone else in a car accident. The minimum required limit is $200,000, but increasing this limit is advisable. Many drivers opt for $1,000,000 in coverage, though even this amount may not be sufficient for serious injuries.
Accident Benefits: What You Need to Know
Accident benefits provide support if you’re injured in a vehicle accident, regardless of who is at fault. Standard benefits include:
- Up to $65,000 for medical, rehabilitation, and attendant care for non-catastrophic injuries.
- Up to $1 million for the same expenses for catastrophic injuries.
- Income replacement up to $400 per week.
- Non-earner benefits up to $185 per week.
- $3,500 for medical and rehabilitation benefits for minor injuries.
You can enhance your coverage with optional benefits, which are crucial for serious injuries requiring extensive treatment and care.
Protection Against Uninsured Drivers
Uninsured automobile coverage protects you if you are injured or killed by a hit-and-run driver or an uninsured motorist. The standard coverage is $200,000, but you can increase this through family protection coverage.
Enhanced Family Protection
Family protection coverage extends your protection in the event you or a family member is injured by an uninsured or underinsured driver. For instance, if your policy has a $2,000,000 limit and the at-fault driver has only $1,000,000, your insurer will cover the additional damages up to your limit. This ensures comprehensive protection in severe injury cases.
For personalized advice about your auto insurance, consult with your insurance agent, broker, or provider to make informed decisions.
Why Consult a Personal Injury Lawyer?
If you’ve been in a car accident and need to navigate accident benefits or insurance claims, contact the expert car accident lawyers at Car Accident Attorneys Near Me. Call us at +14169928111 or fill out our online form for assistance.
At Car Accident Attorneys Near Me, we offer free, no-obligation consultations to explore compensation options and clarify your legal rights.
No matter where you are in Ontario, Car Accident Attorneys Near Me is ready to support you in your time of need.
