If you have been injured in a car accident and require financial compensation for your injuries, you need only turn to one of the highly skilled car accident lawyers or attorneys in Ontario to begin your claim and start the process to personal recovery. These trained professionals have dedicated their careers to helping people just like you receive the insurance benefits they deserve with minimal discomfort and distraction from their daily life.

 

Insurance is a tricky and complicated system. In Ontario, the governing guidelines have created "no-fault” policies, which means that, regardless of who caused the accident, the victim must claim benefits from their own insurance provider and not that of the negligent party. While the law is written in such a way as to be accessible to everyone, your chances of receiving the full benefits you need after you have been injured increase exponentially when you retain experienced legal counsel that is highly adept at winning fair cash settlements.

 

 

Insurance exists to protect us in the likely event of unexpected expenses arising due to accident injuries. While this system has been designed to benefit those who have been the victim of circumstances beyond their control, it is not blanket coverage that ensures benefit payout regardless of circumstances. There are in fact a few situations in which benefits could be legally denied.

 

Driving Under the Influence – It is illegal in Canada to drive under the influence of alcohol or illegal drugs. If you are found to be under the influence of these substances, benefits will be denied, regardless if your altered state of mind contributed to an accident. Not only is it unsafe and unwise to indulge in drinking before or while operating a motor vehicle, but even a slight impairment in judgement can end up costing you a lot more than just insurance compensation.

 

Driving While Committing an Offense – While this particular scenario doesn’t apply to the majority of the population, it should be clearly understood that if your accident occurs during the commission of a crime, the insurance companies may flatly deny your claim. It is a stipulation of your policy that you will not use your vehicle to break the law, and should you disregard this provision, then benefits will not be considered in most cases.

 

Driving Without Valid Insurance – Life is very busy and it’s easy to forget to pay a bill on time. However, when it comes to your insurance policy, always remember to keep it as current as possible. Even a single day lapse in coverage (a payment arriving too late and coverage being suspended as a result) can be grounds for your insurance provider to deny a claim for compensation, regardless of how many years you may have paid into the policy.

 

Driving is a privilege, not a right. Be sure to use your vehicle responsibly and use your best judgement in order to avoid accidents. While financial rewards from insurance policies can help you put your life back together after an injury, they cannot restore your health, and prevention is always better than after-the-fact compensation. Speak with one of Ontario’s top-notch car accident lawyers or attorneys and make sure that you receive the benefits you are rightfully entitled to.