What Is the Process of a Motor Vehicle Accident Claim? What You Need to Know

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What Is the Process of a Motor Vehicle Accident Claim?  What You Need to Know

What Is the Process of a Motor Vehicle Accident Claim?

There is no doubt about it, being in a car accident is extremely stressful. You may be in shock, upset, or physically in pain. Sometimes, it is difficult to think clearly. There are many steps that need to be taken, steps that may impact your life in the days to come.  You may be asking yourself, "What do I need to do, what is the process of a motor vehicle accident claim?”

First Steps After a Car Accident

  • Stop.  If your vehicle is involved in an accident and you don’t stop you may be subject to criminal prosecution.
  • Call 911. If anyone is injured and if the damage to all vehicles appears to be more than $1000, or if you suspect any of the other drivers may be driving under the influence of alcohol, call the police.
  • Gather information. Ask witnesses for contact information. Write down names, addresses, telephone numbers, and drivers’ license numbers. Get the names and addresses of the registered owners of the vehicles.
  • Use your cellphone to take photos and videos of the accident scene.
  • Keep any and all receipts and documentation related to the incident.
  • Do not voluntarily assume responsibility, sign any statements regarding fault or promise to pay for any damage at the scene of the accident.
  • Notify insurance.  According to the Financial Services Commission of Ontario, you must do this within seven days. However, be careful of making statements to the insurance company that could negatively impact the outcome of your case.
  • Call a lawyer if you have any confusion about your situation or what steps to take.  

Making a Claim

Depending on your insurance, or the type of motor vehicle accident you are involved in, there are a variety of claims that can be made. Claims against drivers are called tort claims. Tort claims are designed to compensate for pain and suffering caused by an accident. Claims against insurance companies are called Accident Benefits claims.  Regardless of who caused the accident, Accident Benefits are available to anyone involved.  If you or a family member has been injured, benefits that may be available include income replacement, medical rehabilitation, the coverage of a personal attendant, funeral expenses, travel expenses, etc.
The insurance company will want to assess the degree of fault assigned to each driver involved in the accident.  This is to determine which insurance company property damages coverages will apply to the accident and if premiums need to be adjusted in the future. A minor collision may be handled over the phone or an insurance adjuster may want to meet you in person. In either case, you may want to speak to a lawyer before talking to the adjustor.

When to Call a Lawyer After an Accident

If you have any questions or confusion about your situation, it is best to err on the side of caution and call a lawyer. Find a lawyer experienced in personal injury law.  A reputable firm will give you a free consultation and let you know how they can help.  A lawyer can fill out the insurance claim forms, help you understand your insurance policy and guide you through the legal process.  A good lawyer can answer your question; what is the process of a motor vehicle accident claim?

Motor Vehicle Accidents in Toronto

The city of Toronto has approximately 12,000 car accidents recorded per year from 2004–2010. In 2011, for the first 6 months, there were 5,133 car accidents in Toronto. If you are involved in a motor vehicle accident in Toronto, contact a personal injury lawyer in Toronto to help you file your claims and receive the accident benefits that you are eligible for.

Motor Vehicle Accident Benefits

You might not be aware of all of the benefits that you are able to receive after a motor vehicle accident occurs. At Sokoloff, the different types of accident benefits that are available to you are:
*Income replacement/caregiver/non-earner
*Rehabilitation and medical
*Home maintenance and housekeeping
*Death and funeral expenses
Lawyers at Sokoloff will work with you every step of the way after a motor vehicle accident and there is never a charge to just sit down and talk about your case. Until we achieve a settlement, there is no lawyer’s fee.
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