While we can only hope that neither you nor anyone in your family will ever have to push for a disability insurance claim, the reality is that even the healthiest people can end up succumbing to a disability after an accident. While disability insurance can help you to get your life back in order, if often won’t be enough on its own. Disability claims lawyers know how to get you the right amount of compensation, letting you focus on recovery instead of finances.
Disability Coverage in Ontario
Toronto personal injury law firms have experience with the singular specificities of the Ontario insurance system. While all of the Canadian regulatory systems employ some form of no-fault insurance, Ontario is the only province to use a “threshold” no-fault system.
The Threshold No-Fault System
No-fault insurance means that regardless of who was at fault for the actual, real-life accident, the law considers all parties in the accident faultless. Legally speaking, then, all parties are bound to receive accident benefits for the damages they have sustained, and none of the parties are allowed to file suit against one another (since the law assumes that the benefits provided by insurers will suffice). However, the threshold system, used in Ontario, modifies this policy. While all parties still receive benefits, if the damages exceed a pre-determined dollar amount for any party, that party is allowed to sue to cover those costs.
Suing under the threshold no-fault system can thus become a complicated process because of the legal stipulations. Rather than struggle through a suit, look for disability claims lawyers. Ontario disability claims lawyers have ample experience in suing under our system and can ensure you get the compensation you need. Book a free consultation with a Toronto personal injury lawyer today.
Source:
http://prc.canadianpaincoalition.ca/media/ms_surv_pers_inj_ed2_2012.pdf