Which insurance company pays your accident benefits if you do not have auto insurance?

If you have been injured in an Ontario car accident, but do not have your own car insurance, you can still file a claim for your injuries.  You may be entitled to accident benefits, but who pays for them will depend on the circumstances of the accident.  Contacting an Ontario personal injury lawyer should be one of the first things you do when trying to figure out how you can claim accident benefits.  They will be able to guide you and help you determine the best course of action in your situation.

Even if you don’t have car insurance, you will need to fill out an Accident Benefits Application Package, just as you would if you had your own car insurance.  The forms in this package are necessary for an insurance company to assess if you are entitled to accident benefits and if so, how much you will receive.  The particular circumstances of the accident will determine who you should send this package and who will cover any accident benefits you may be entitled to.

For example, if you were driving a vehicle owned by the company you work for, you should send your Accident Benefits Application Package to the insurance company that insures that vehicle.  If you were a passenger in a vehicle that was in an accident, you should contact the insurance company that covers the vehicle you were riding in.  If you were hit by a vehicle while walking or cycling, the insurance company for that vehicle should cover your accident benefits.  If you were a passenger in an uninsured vehicle, and the other car involved in the accident is insured, then the insurance company for that vehicle will deal with your application for accident benefits.  If the other vehicle was also not insured, you may be able to make a claim for accident benefits to Ontario’s Motor Vehicle Accident Claims Fund (MVACF).

In the event that no other insurance company can be found to be responsible for any accident benefits you may be entitled to, the MVACF might be able to provide you with some coverage.  They are a last resort when no other recourse is available.

If you are trying to determine how you can make a claim for accident benefits after a car accident, contact the Ottawa personal injury lawyers at Auger Hollingsworth for a free consultation.  If you are entitled to accident benefits, they will help you achieve a favourable outcome.

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