Navigating Statutory Accident Benefits for Cyclists in Ontario
As the frost of winter melts away, Ontario eagerly anticipates the return of spring and with it, the vibrant cycling season. Biking not only serves as a rejuvenating outdoor activity but also as an eco-friendly commute option. However, the increase in cycling traffic brings a heightened risk of accidents, particularly those involving motor vehicles. It’s crucial for cyclists to understand their rights and protections under the Statutory Accident Benefits Schedule (SABS), which offers support in the unfortunate event of a collision.
What are the Statutory Accident Benefits?
Statutory Accident Benefits are designed to provide financial assistance to anyone injured in a motor vehicle accident, including cyclists. These benefits cover a range of expenses such as medical and rehabilitation costs, income replacement, and non-earner benefits, regardless of who was at fault for the accident. The aim is to ensure that accident victims receive the necessary care and support to recover.
How do you apply for SABS?
If you are a cyclist involved in an accident with a motor vehicle, applying for these benefits involves a specific process. Firstly, the claim is typically filed with your own auto insurance provider if you have a policy. However, if you do not have personal auto insurance, you can apply through the insurance company of the vehicle involved in the accident. In situations where the motor vehicle is uninsured or cannot be identified, the claim may be made through the Motor Vehicle Accident Claims Fund, a last resort for those without access to other insurance options.
Understanding your entitlements and the application process for statutory accident benefits is crucial for cyclists. In the event of an accident, consulting with a knowledgeable personal injury law firm can provide invaluable guidance, ensuring that you navigate the legal landscape effectively and secure the support you deserve as you embark on the road to recovery.
