Navigating the aftermath of a motor vehicle accident can be a complex process, and understanding the role of insurers is crucial to ensure the best possible outcome for your claim. Whether you're dealing with property damage or injuries, having a clear understanding of the roles and responsibilities of your insurer can help you through the claims process.
Filing An Accident Report
Following an accident, you must file a report with your broker, agent, or insurance company within seven days or as soon as possible. Any delays might result in your claim not being honoured. When filing a motor vehicle accident claim, you'll need to provide various details, including your policy number, vehicle information, accident details, the extent of any injuries and more.
Insurer's Role After a Motor Vehicle Accident Claim Is Filed
Once your claim is filed, a claims adjuster will get in touch with you. They may ask you to complete a Proof of Loss form. The adjuster's role is to determine the extent of coverage your insurer will provide and guide you through the claims process.
Determining fault
Insurers in Ontario determine fault based on the Insurance Act and Fault Determination Rules. Fault can be shared among multiple parties involved in the accident. If you’re found to be 50 percent or more at fault, you’ll likely face higher insurance premiums when you renew.
Understanding Your Coverage
In Ontario, the Statutory Accident Benefits Schedule (SABS) is provided in every auto insurance policy. These benefits compensate you, your passengers or pedestrians for injuries or fatalities resulting from the accident. These benefits include income replacement, caregiver benefits, medical expenses coverage and more.
Your specific coverage will depend on the type of insurance you purchased. For instance, if you have mandatory coverage only, you'll be covered for Direct Compensation Property Damage (DCPD), providing compensation for certain damages. If you have additional coverage, such as Specified Perils or Comprehensive Coverage, the scope of your compensation expands.
How A Personal Injury Lawyer Can Help
A personal injury lawyer can provide invaluable assistance when making a motor vehicle accident claim. Many insurance companies aren’t forthcoming about all the accident benefits available to you, so seeking professional legal advice can help you determine your rights and obligations.
Moreover, if you disagree with your insurance company's assessment of fault, or if you face complications in the claims process, a lawyer can ensure your rights are protected by negotiating with the insurance company or taking the case to court if necessary.
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Motor Vehicle Accident Claim Lawyers in Sault Ste. Marie
At Feifel Gualazzi, we specialize in personal injury claims and can help navigate your motor vehicle accident claim. If you have a case, we won’t charge you fees until it settles or you receive a successful verdict. Contact us today to arrange a free consultation with an experienced member of our legal team. We proudly serve residents within Algoma District.