Car Accident
Levelling the field between you and the insurance company.
The aftermath of a car accident can be overwhelming as you have entered unfamiliar territory and no doubt have a lot of unanswered questions. Whether you suffered a spinal cord injury, brain injury or fractures, you need to know your rights immediately – before you discuss the matter with an insurance adjuster and before signing any documents.
Insurance companies scrutinize and defend claims vigorously and are looking out for their own interests, not yours. There are many strict time frames (some as short as 7 days after a car accident) as well as many procedures which need to be followed. Insurance companies complicate the process further by demanding in-person meetings and requiring complex forms to be completed within a very short timeframe. Understanding how to navigate through all of these issues, while trying to recover from an injury or mourning the loss of a loved one, is often too much to handle without help.
We will explain your rights in simple terms and take on the insurance companies and at-fault parties so that you can focus on recovering from your injuries, rather than fighting a legal battle.
Your rights after a car accident.
If you were injured in a motor vehicle accident, whether you were a driver, passenger, cyclist or a pedestrian, you have two sets of rights:
1. Accident Benefits: No-fault benefits that are payable immediately to ensure quick access to necessary treatment and care and to supplement your lost income regardless of who is at fault for the accident. These benefits include:
- Income Replacement Benefits – if you are unable to work
- Non-Earner Benefits – if you suffered a complete inability to return to normal life
- Medical and Rehabilitation Benefits including chiropractic, psychological, physiotherapy services, medication, rehabilitative equipment, vocational training, home accessibility modifications and vehicle modifications
- Attendant Care Benefits – for a home attendant and nursing care
- Housekeeping and Home Maintenance Benefits – if you are catastrophically impaired
- Caregiver Benefits – if you are catastrophically impaired
- Other expenses – visitor expenses, funeral expenses, damaged items in the accident, and lost educational expenses.
2. A claim for damages against those who caused injury to you: We can file a personal injury lawsuit and pursue the at-fault party for financial compensation. This compensation includes:
- Pain and suffering damages (for loss of your enjoyment of life)
- Loss of future earnings (financial loss due to the inability to work, reduced earning capacity and loss of future opportunity)
- Future care costs (medical care, rehabilitation and other future costs including nursing or attendant care beyond what is available from accident benefits)
- Housekeeping and Homemaking Services
Compensation for family members affected by your injuries (for cost of services you provided and the loss of care, guidance and companionship they have suffered)
Choosing the best car accident lawyer for your injury.
You need a personal injury lawyer that specializes in car accidents since this type of law is complex and is constantly changing. At Virk Personal Injury law, we have extensive experience in complicated litigation and we ensure that we will get you the maximum compensation available to you. We will do whatever is necessary to achieve this including engaging the right medical experts, rehabilitation specialists, accident reconstruction engineers and financial analysts to assist us in the discovery and development of your claim. We will confront the responsible party’s insurer with the facts of your case, and fight for your right to collect damages and recover lost income all the way to trial if necessary.