The Availability of Car Accident Benefits In Ontario

The lawmakers in Ontario have created an agency called SABS (Statutory Accident Benefits Schedule). SABS provides anyone involved in an accident in Ontario with benefits, regardless of who has been found at fault.

There is a set procedure to use when seeking SABS’ help. To start with, you need to report your injuries to the insurance company and then report any damage to your vehicle to the insurance company. After that you will need to wait for receipt of Application for Benefits form (OCF-1). Complete and submit form within 30 days.

Drivers or passengers that might be excluded from SABS’ benefits

• Someone who had been driving without insurance.
• Someone who had deceived insurer, in order to obtain car insurance.
• Someone who had been driving without a license.
• A passenger who knew that the driver had taken vehicle owner’s car without getting the owner’s consent.
• Driver that had not been named in the vehicle owner’s insurance policy.
• Accident took place while driver and passengers were taking part in a criminal act. Consequently, no benefit awarded to any of them.

Types of benefits awarded by SABS:

• Compensation for medical expenses.
• Compensation for medical equipment and supplies. That could include the cost of a hospital bed (if used at home), a wheelchair, a walker, an oxygen tank or ostomy bags.
• Compensation for the cost of changes to the home, such a wheelchair ramp.
• Compensation for money spent on a rehabilitation facility.
• Compensation for money spent on physical therapy.
• Compensation for cost of attendant care.
• Money to replace lost wages.

If a caregiver was riding with a passenger, and that same caregiver got injured, he or she would be able to request caregiver benefits.

Personal Injury Lawyer in Hamilton knows that if a student were riding in one of the vehicles that was involved in an accident, that student would qualify for non-earner benefits. In other words, a Canadian student does not have to face financial concerns, if he or she gets injured in an automobile accident.

How easy is it to obtain a benefit?

The victim’s ability to submit an OCF-1 form that did not have a single mistake increases the likelihood that the same victim will manage to get a requested benefit. Keep in mind, too, that part of the OCF-1 form must be completed by the victim’s physician. That fact underscores the type of problems that face anyone that is trying to complete that particular document (an Application for Benefits Form).

In addition, the information supplied by the applicant must agree with the facts given by the physician. Where the facts differ, the victim’s chances for obtaining some form of compensation lessen. Hence, it is best to make a copy of any document that you plan to submit to Canadian authorities, so that your oral account matches with what you wrote down.