Insurance Claims after an Ottawa Car Accident

When you begin your Ottawa car accident claim, it is important to know what your Ottawa personal injury lawyer can help you recover,  and what she can’t.

The three types of claims that you can file are:

  • a property damage claim,
  • a claim for statutory accident benefits, and
  • a bodily injury claim.

We’ll go through each one so that you know what applies to your personal case.

An Ottawa property damage claim is a request for funds to repair or replace your car.  When most people think about insurance in a car accident situation, they think of filing a property damage claim.  Usually, these benefits are paid by the insurance company.  That is why most people think they have car insurance.  And if your car is the only thing that was hurt in the accident, then you most likely don’t need a lawyer, since what you get from this type of claim is probably about what you would pay for a lawyer.   However, if the accident caused physical injuries, large medical bills or caused you to miss work, getting an experienced Ottawa lawyer is probably the right way to go.

The second type of claim is for damages for bodily injury. You will receive bodily injury damages if you were hurt in an accident in which the other party is at fault, and you meet the legal test for Ontario injury claims.

The last type of claim is for statutory accident benefits.  Statutory accident benefits are available to all participants in Ottawa car accidents, independent of fault.  These benefits are meant to replace missed salary earned and to pay for accident-related expenses such as attendant care, rehabilitation and medical services.  The idea of statutory benefits is to reduce the effect of the accident on your day-to-day life.  These benefits are usually paid for by your own insurance policy, but there are ways to get coverage even if you do not have your own car insurance policy.

If you have further questions regarding your Ottawa car accident case and the benefits that you could receive, contact an Ottawa injury lawyer immediately for a free consultation. For more information, contact the Ottawa lawyers at Auger Hollingsworth by email [email protected] or by phone at (613) 233-4529.

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