Motorcycle accidents can leave riders with serious injuries and financial burdens. Fortunately, Ontario’s insurance system provides crucial support to injured motorcyclists, regardless of who’s at fault. This guide outlines the steps to take after an accident and the benefits you may be entitled to through your auto insurance.
Immediate Steps After a Motorcycle Accident
- Prioritize Safety: Your well-being is paramount. If possible, move to a safe location away from traffic.
- Seek Medical Attention: Even minor injuries can worsen over time. A prompt medical evaluation is essential for your health and your claim.
- Report the Accident: Notify the police, especially if injuries are serious or there’s significant property damage.
- Exchange Information: Gather contact and insurance details from any other drivers involved.
- Document the Scene: If possible, take photos or videos of the accident scene, your injuries, and any damage to your motorcycle.
- Contact Your Insurer: Report the accident to your insurance company as soon as possible.
- Consult a Personal Injury Lawyer: A lawyer specializing in motorcycle accidents can guide you through the claims process and protect your rights.
Accident Benefits (AB): Your Financial Safety Net
In Ontario, every auto insurance policy includes Accident Benefits (AB). These benefits are available to you regardless of fault in the accident and can cover various expenses and losses:
- Income Replacement Benefits (IRB): If your injuries prevent you from working, IRB can replace a portion of your lost income.
- Non-Earner Benefits (NEB): If you were unemployed or a student at the time of the accident, NEB can provide financial support.
- Attendant Care Benefits (ACB): If your injuries require assistance with daily living activities, ACB can cover the cost of an attendant or caregiver.
- Medical and Rehabilitation Benefits: These cover a range of medical expenses not covered by OHIP, including hospital stays, medication, physiotherapy, assistive devices, and more.
- Other Benefits: Depending on your policy and the severity of your injuries, you may also be eligible for benefits like housekeeping, caregiver expenses, and death benefits.
Additional Considerations for Motorcycle Accident Claims
- Time Limits: There are strict deadlines for applying for Accident Benefits and starting a lawsuit. Don’t delay seeking legal advice.
- Optional Benefits: Consider purchasing additional coverage, such as increased accident benefits limits or income replacement options, to enhance your protection.
- Catastrophic Impairment: If your injuries meet the criteria for “catastrophic impairment” (severe brain injury, paralysis, etc.), you may be eligible for increased benefits and resources.
Don’t Navigate Your Claim Alone
The aftermath of a motorcycle accident can be overwhelming. An experienced personal injury lawyer can guide you through the process, ensure you receive all the benefits you’re entitled to, and potentially pursue a lawsuit against the at-fault driver for further compensation. Remember, your health and financial security are at stake, so seeking professional help is crucial.