In the Province of Ontario, compensation is available if you have been involved in a motor vehicle accident and have suffered injuries. Legislation is always changing and many individuals believe that Ontario’s no-fault insurance system prevents them from seeking financial compensation from the at-fault party.
This is not necessarily the case. Every individual, every accident, and every case is different.
Generally speaking, you will be entitled to accident benefits from your own insurance company even if you are at fault. You may also have the right to obtain compensation from the insurance company of the party or parties at fault for your accident should you not be at fault for the accident. To summarize, if you are at fault for the accident, you will have significant rights for compensation from your own insurance company. If you are not at fault, generally you will have significant rights against your own company and the insurance company of the at-fault driver.
Many rumours exist surrounding involvement in a motor vehicle accident with a vehicle with questionable insurance coverage. Being involved in a collision is in itself an extremely stressful experience and to be involved in one with possibly no insurance coverage simply adds to the anxiety and stress that an injured person is under. In Ontario, relief exists for those who have had the unfortunate experience to have been involved with another vehicle which is found to be uninsured. Sault Ste. Marie is intersected by our national highway and is also a busy international border crossing. This means many motorists routinely travel through our area and in turn this means you may be faced with an accident involving a vehicle which is insured in another province of Canada or in the United States. An accident may also involve a hit-and-run, whereby it is unknown whether or not the other party is even insured. We are well-experienced in these situations that are most often extremely complicated.
You can find more details about uninsured, underinsured and unidentified situations in item 16 on our FAQ page.
If you have suffered a permanent serious impairment, you may be able to sue for damages. Numerous types of injuries including whiplash injuries or a headache could potentially result in a permanent serious impairment. Damages may be obtained for an individual who was injured in a motor vehicle accident that could include compensation for economic losses (loss of wages), loss of earning capacity, pain and suffering, psychological damage, loss of enjoyment of life, medical, hospital and other out-of-pocket expenses, future health care expenses, housekeeping/handyman expenses, and also for the loss of the care, guidance, and companionship of a family member.
The firm of Feifel Gualazzi was built with respect for our clients. We offer vast experience in a variety of types of accidents including: