Having been injured in an accident can add a lot of stress on the person and their loved ones. The person who has been in the accident needs to be taken care of, and medical bills need to be paid. Sometimes the injuries sustained during the accident can also cause long-term disabilities. In such a case, you should head to Personal Injury Lawyer Blog | Grillo Law whenever you need to know more about personal injury law rules. The Ontario Auto Insurance Policy states that accident benefits coverage is mandatory per the Statutory Accidental Benefits scheme. Following are some of the Accident benefits which are provided.
Attendant Expense
When the claimant can’t carry out daily activities like bathing, dressing, and feeding due to the injuries, the benefits would cover the expenses for an attendant or a long-term care facility in such a case.
Medical Costs
This part of the benefit covers the expenses for medical treatment and rehabilitation needed concerning the injuries. Rehabilitation includes physiotherapy and massages etc. The amount for the benefit is dependent on the kind of injury which you have sustained. There are two types of injuries catastrophic and non-catastrophic.
Expenses of the caregiver
When a primary caregiver sustains injuries in an accident, it puts them in an even more tough position. It makes them possible to carry out their duties and care for their loved ones. The benefits cover the caregiver expenses and ensure that the household expenses are accounted for. However, there is a limit to the amount which can be provided.
The benefit of income replacement
Sometimes the injuries which one has sustained during the accident can leave them unable to work. The accident benefits cover the loss of income. The benefit has a limit of 70% of your gross weekly income, which was pre-accident or $400 a week, whichever is lesser.
Death and funeral benefits
Accidents can even lead to death. Such accidents cause a lot of emotional pain to the families and loved ones of the victim. The benefits are paid out in a lump sum to either the spouse or dependent in such a case. The amount paid would be able to cover the funeral expenses.
Non-earner benefit
Suppose the victim cannot lead a normal life but isn’t eligible for receiving income replacement benefits. In that case, they might be eligible for the non-earner benefit. This benefit is usually for students who cannot carry on their life as usual due to the accident they were in.
Consult a Lawyer
These are just some of the benefits that you receive after having been in an accident. If you or someone you love has been in an accident and you are unsure about how to go about it, reach out to a personal injury lawyer. An experienced and skilled lawyer will educate you on your rights and what you deserve. They will help you to navigate the rough waters and even fight for your right if the need arises.
