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If you have been a driver or a passenger in a car that was involved in a collision, then you can apply to your own car insurance company for benefits, regardless of which driver was “at-fault.” There are two reasons for that specific provision. Reason one: It limits the degree of liability placed on the at-fault driver. Reason two: It ensures the delivery of compensation to all the injured victims.
That reasoning makes it sound like the insurance companies intend to demonstrate a larger level of generosity. True, it may seem that way, but consider the step such supposedly generous companies will take later. Each company that has granted benefits, under the described circumstances, often chooses to warn the compensated policy holder. The warning concerns what could happen in the future: The policy holder’s insurance coverage could start to cost more, if the compensated driver has another accident within a given period of time.
The compensation offered comes in the form of multiple benefits
Income replacement stands as the chief benefit. A recovering victim cannot work. Hence, the same person needs to have some way to replace a temporarily lost income. The law generously ensures delivery of income replacement to anyone that has held a job for 26 weeks during the just-completed year.
The care-giver benefits get added to the ones for lost income. Such benefits do not pay for care giving services to the injured victim; instead they provide coverage for replacing whatever caregiver services had been provided to a third party. Money gets set aside for that replacement, even if the injured person had volunteered to provide care-giving services.
Some victims qualify for non-earner benefits. Those are men and women that do not have a job, but still pursue an activity, one that does not furnish an income. A student stands as an excellent example of someone that deserves non-earner benefits.
The medical housekeeping and attendant care benefits get linked to the three benefit-sources named above. Then, each attendant care benefit compensates for the cost of a recovery expense, such as rehabilitation services, physiotherapy, counseling, transportation and assistive devices. Each housekeeping benefit recognizes the victim’s desire to lead a normal life, one that allows for performance of daily chores.
How the benefits’ delivery gets requested
The request comes in the form of a submitted application, one that the policy holder must get from his or her insurance company. Still, submission of that application does not guarantee delivery of any benefit. The benefits’ total value might exceed the limit set by the insurance company.
In that case, the victim must work with an Injury Lawyer in Collingwood, in order to sue the “at-fault” driver. Consequently, the money used to compensate the victim would come from the company that has sold that same driver one of their car insurance policies. Then the same company would determine what warning, if any, should be given to the “at-fault” driver.