The insurance coverage that is mandated by law will only cover potential damages, including property damage, injury, and death, to others in case of an accident, which is referred to as liability insurance, and physical damage to yourself. Additional insurance coverage is optional and is purchased at an additional monthly fee, and includes collision insurance which covers damage to your car, and comprehensive insurance which covers theft, vandalism, and damages from natural disasters.
In Ontario, all automobile insurance is considered “no-fault,” which means that no matter which party is responsible for the accident and ensuing damages, each party’s respective insurance provider will pay the respective damages. This means that your medical bills and other insurance provisions can be paid out immediately, rather than waiting for the insurance adjusters to investigate and determine who is at fault for the accident. However, if you are eventually deemed as being at fault, your insurance premiums may rise.
However, there are some things that your insurance provider may not automatically cover, even if you have the legal right to compensation. This can include loss of past and future earnings, the cost of future care, and extended medical care needed due to the aggravated effects of a pre-existing condition. Most people involved in a collision may have no idea what they may or may not be entitled to, and for this reason many people choose to obtain legal representation to protect their interests during the proceedings.
If you’re injured by a third party, what rights do you have? Can you sue for pain and suffering as you would in an auto accident? It’s different for both off-road vehicles and watercraft. In this article, we explain the differences and also give some great advice for staying safe off-road and on the water.Read Article
Every car maker claims to manufacture cars with safety in mind. Using IIHS safety testing, learn what mid-size cars rate as the safest, by reading this post which compares top rated safety vehicles and highlights their features.Read Article
Did Road Conditions Contribute to your Accident? Read this post to better understand how road conditions could have contributed to a motor vehicle accident, and how to pursue legal action against the parties that were responsible.Read Article
A municipality is responsible for providing regular and proper road maintenance. If an accident resulted from negligent road maintenance, a victim can seek damages from the municipality. A personal injury lawyer can help motor vehicle accident victims navigate the complex legalities - learn more by reading our post.Read Article
If you have been injured in a motor vehicle accident, you should consult a personal injury lawyer immediately. Read this post to learn more about personal injury law in Ontario and how to proceed with filing a case.Read Article
if you’re injured as a taxi or public transit passenger, you could seek damages. Suing a private or commercial entity is challenging, read this post to learn more about Ontario personal injury law and how to proceed with filing a case.Read Article