Things to keep in mind when dealing with the car insurance company after a car accident:
1) The Insurance may push you to make a statement
The insurance may try to record your statement about the accident, especially when you are vulnerable. You may not be fully aware of the implications of the statements you’re providing. The information given in the recorded statement can be used against you when you settle with the insurance.
2) Be aware of the surveillance
The insurance has abundant resources to gather surveillance evidence. They can go through your social media posts or actually put you under surveillance (for example, photos of your daily living outside of your home) to find any evidence that may be used against you. For instance, you tell the insurance company that you cannot go to social gatherings because of your injuries, and they may dig up a social media post with photos of you at a party.
3) You are not automatically entitled to your purchased policy when it comes to your Statutory Accident Benefits
In Ontario, the Accident Benefits policy you purchase can cover you for medical rehabilitation, and attendant care benefits up to $65,000.00 for non-catastrophic injuries. However, when you get into an accident, and you report your accident with your insurance, you are not immediately entitled to the purchased policy of $65,000.00. When you first apply for the accident benefits, you are automatically put under the minor injury guideline category. You are only covered up to the limit of $ 3500.00 for your medical expenses. You must provide sufficient medical evidence to be removed from the minor injury category and be entitled to the $65,000.00 policy you purchased. Depending on your injuries’ severity, you can also qualify for the Catastrophic injury category, which entitles you to the medical benefit of up to $1,000,000.00. Consult a lawyer to learn more about different policy limits and obtain the benefits you are entitled to because of the car accident.
4) Don’t be so quick to settle
The insurance may want to settle your accident benefits at a lesser amount. In most cases, you need to build your medical evidence to be in a better position to settle for the amount you deserve. It may be a good idea to take the necessary time to gather all the medical evidence before considering to settle your benefits. Consult a lawyer for more details.
Juzkiw Law Professional Corporation
If you have recently had a car accident and are having to deal with your insurance company. At Juzkiw Law, our Lawyer can help you to get your rights. We have extensive legal knowledge about Canadian law. Contact us today – 416-221-2221