What compensation can I receive after a car accident?

Following a car accident, the compensation you are eligible to receive largely depends on the severity of your injuries, the impact on your life, and the specific insurance policies involved. In general, compensation is designed to help you recover financially and physically.

First, regardless of who was at fault, you are entitled to Statutory Accident Benefits. These benefits are provided by your own insurance company and can cover:

• Medical and Rehabilitation Expenses: Costs for physiotherapy, chiropractic care, medication, and other treatments not covered by OHIP.
• Income Replacement: If your injuries prevent you from working, you may receive a percentage of your lost income.
• Attendant Care: Funding for a personal aide if you require assistance with daily living activities.

If another driver was at fault for the accident, you may also be able to file a Tort Claim (a lawsuit) against them. This can provide compensation for damages not fully covered by accident benefits, including:

• Pain and Suffering: Financial compensation for the physical pain and emotional distress caused by the accident.
• Loss of Future Earnings: If your ability to earn an income is permanently affected.
• Out-of-Pocket Expenses: Costs for housekeeping, travel to medical appointments, and other accident-related bills.
• Family Law Act Claims: Family members may also be eligible for compensation if they have suffered a loss of care, guidance, or companionship due to your injuries.

Finally, you can receive compensation for Property Damage to repair or replace your vehicle and any personal items damaged in the crash. Consulting with a legal professional can help clarify exactly which forms of compensation apply to your specific situation.