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I’ve been injured in a car accident – Who Covers What?

If you have been injured in a car accident, the circumstances of the accident will determine which insurer is responsible for providing you with coverage for accident benefits. If you are the driver of your own insured vehicle, you will be covered by the insurer of the policy in which you are named for accident benefits.

What you must know if you’ve been injured in a TTC accident?

If you have been injured as a passenger on a TTC vehicle, or if you have been involved in an accident with a TTC vehicle, you may be entitled to compensation for your injuries. TTC vehicles include buses, trains, streetcars, and Wheel-Trans. In some circumstances, you may even receive compensation if you were injured on TTC’s property, such as a subway platform.

I have been involved in a car accident in Ontario. Am I entitled to income replacement benefits?

The governing regulation that applies is the Statutory Accident Benefits Schedule. It stipulates what benefits can be received by victims whose injuries have significantly impaired their ability to work. These are commonly referred to as Income Replacement Benefits (IRB), and they assist a victim in receiving lost wages. To be entitled to IRBs, there are a few qualifiers that must be met.

Pecuniary and Non-Pecuniary Damages in Long-Term Disability Claims

Damages generally fall under 2 broad categories namely pecuniary and non-pecuniary damages. A personal injury case may involve both of these such as if you have medical bills to pay after an accident and the accident has left you disfigured, but a breach of contract claim only has pecuniary damages. So, what is the difference between the two?

Disability Standards in Ontario: Own Occupation vs. Any Occupation

Insurance disability policies often use highly technical and/or confusing terminologies and provisions, which may permit for different legal interpretations. It is important that you hire an experienced legal team to help you understand your LTD policy and ensure that you get all the benefits that are due to you.

courtland holder
courtland holder
14:27 12 Feb 18
My wife & I had the pleasure of working with Alexander Lee and Ikbir Khongura. They were excellent in research and information, They both were on time and ready.. very professional and determined to get the best results for us. They worked very hard and made sure we as clients were comfortable, happy and well taken care of! Most importantly they are fighters, they made sure our best interest were put first and our needs were met. A lot of lawyers don't really care, but they made sure justice was served! They did an amazing job in taking care of us and will be recommending their services!
Luci S.
Luci S.
21:46 08 Dec 17
From the moment Grillo Barristers took on my case, until I was able to come to my desired settlement, they have been nothing but amazing, caring and professional. I had an amazing team working on my case, and couldn't believe how well and timely my file was handled. My lawyer Anthony Andreopoulos, with the tremendous help of Justine and Zachary, constantly kept me updated with every action that was taken on the file and made me feel at ease knowing my case was in good hands. I couldn't have asked for a better firm to handle my file, so thank you guys so much for everything, I appreciate it more than you know!
Jan MacMillan
Jan MacMillan
23:28 05 Feb 18
I worked with Rachelle Mitri and her team and I found the company in general and Rachelle in particular to be extremely professional, while being nice people to work with. Ms. Mitri kept me informed of my case. And guided me through an unfamiliar system with great diligence. I always felt valued and respected. Great Lawyers !
Theresa Dea
Theresa Dea
23:10 19 Dec 17
It's unbelievable how long it takes for the insurance companies to settle. They live by the fact that they can outlast you! Don't give up! Hang in there! Stefanie and her team worked hard and did an excellent job. I received the best settlement available!!!
Patrick k
Patrick k
19:13 07 Dec 17
Where do I begin?? I am not usually one to leave reviews on services but this one is definitely an exception. From start to finish, I felt incredibly comfortable having my claim in Grillo's hands. I felt as though the team was in complete control and I could just sit back and receive updates when necessary. With the utmost confident I can say that Grillo Barristers is the best personal injury law firm in Toronto. The process was quick, cheap and stress free. I must especially thank Lauren Sivitilli. Having very limited knowledge of lawsuits, Lauren was able to perfectly break the processes down for me and educate me on my claim. She was quick to answer emails addressing any concerns and always kept me up to date. I will definitely be recommending Grillo Barristers services to my family, friends and coworkers. Amazing!
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