Two Types of Car Accident Claims: No-Fault Claim and Tort Claim

No-Fault Claim:
The first is the so-called “No-Fault” or “Accident Benefits” claim. The no-fault claim is just as it sounds. It does not matter whether or not you are at fault in the car accident, you are entitled to certain car accident benefits from your auto insurance company.

In other words, no-fault insurance claim means that if you are injured or your car is damaged in a car accident, then you deal with your own auto insurance company, regardless of who is at-fault. You don’t have to go after the at-fault driver for compensation. Similarly, if any passengers in your car is injured, then he/she has a car insurance policy of his/her own will approach his/her own insurance company for benefits. If your passengers don’t have a car insurance policy of their own, then your auto insurance company may pay benefits to them. The driver of the other car involved in the accident will claim benefits from his/her own insurance company.

Download Auto Insurance Claims Forms (OCF Forms) Ontario

Contact Us Today! You will be contacted by one of car accident claim specialists and you will receive free personalized car accident assistant services.

• permanent serious disfigurement (i.e., scarring); or
• permanent serious impairment of an important physical, mental or psychological function
• You can also sue if the accident results in the death of a family member.

Any damage award you receive for pain and suffering is subject to a $30,000 deductible. However,any damages received in excess of $100,000 for pain and suffering is not subject to the $30,000 deductible.

Importantly, you can also sue for lost income, future lost income, impairment of your ability to earn income, loss of competitive advantage in the work-place, some out of pocket expenses and business losses without meeting the threshold. These claims are not subject to the $30,000 deductible.

Car Accident Claim, Car Accident Injury Claim, Auto Insurance Claim Help!