Car accident insurance provides different levels of medical benefits depending on injuries.

August 04, 2014, Kitchener, Ontario

Posted by: Robert Deutschmann, Personal Injury Lawyer

A man was seriously injured with life threatening injuries as a result of a head on car crash in Kitchener on Saturday August 2, 2014.  The accident happened on Weber Street in front of Sunnyside School at approximately 7:00pm.  A blue Honda car was heading in an easterly direction on Weber Street when it crossed the centre line and collided with a westbound silver Pontiac car.   A small pickup truck that was following the Pontiac car also crashed into the Pontiac car. 

When you are hurt in a car accident in Ontario, the level of accident benefits that you will receive depend on the type and nature of the injuries that you have sustained in the accident.  If you have sustained minor strains and sprains, like soft tissue injuries, then  you may  fall into the level of medical and rehabilitation benefits provided under the Minor Injury Guideline.  The monetary limit for medical and rehabilitation benefits under the Minor Injury Guideline is $3,500.00.  If your injuries include a fracture of a bone, for example, or if you suffer injuries that aggravate or exacerbate a pre-accident existing condition, then you would move to the next level of benefits which is capped at $50,000.00.  The final category is for those people injured in a motor vehicle accident that have suffered injuries, both physical and psychological, that would be defined as Catastrophic.  Where the injured person is considered to be Catastrophically impaired, then the injured person is entitled to upwards of $1million in medical and rehabilitation benefits and up to $1million in attendant care benefits.  A Catastrophically impaired person is also entitled to housekeeping expenses.  In addition to all of this, we have the opportunity to purchase additional coverage when we renew our automobile policy.  An insured person can increase the medical and rehabilitation coverage to up to $100,000.00, which was the available coverage for anyone that was insured under a policy that was in existence prior to September 2010.   There are several ways that an injured person can be considered catastrophically impaired under the Statutory Accident Benefit schedule.  This includes a Glasgow Coma Scale rating of 9 or less taken within a reasonable period of time after the car accident.  If the injured person suffers the loss of the use of a limb or blindness or the injured person receives a whole person impairment rating of 55% or higher, as a result of physical and psychological injuries sustained in the car accident.  The level of medical benefits that an injured person is entitled to is an important issue that should be reviewed with one of our personal injury lawyers to ensure you receive the proper level medical benefits.

Posted under Personal Injury, Automobile Accident Benefits, Car Accidents, Catastrophic Injury, Fractures, Minor Injury Guidelines, Slip and Fall Injury, Treatment, Truck Accidents

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About Deutschmann Law

Deutschmann Law serves South-Western Ontario with offices in Kitchener-Waterloo, Cambridge, Woodstock, Brantford, Stratford and Ayr. The law practice of Robert Deutschmann focuses almost exclusively in personal injury and disability insurance matters. For more information, please visit or call us toll-free at 1-866-414-4878.

The opinions expressed here, while intended to provide useful information, should not be interpreted as legal recommendations or advice.

Practice Areas

  1. Car accidents
  2. Motorcycle accidents
  3. Automobile accident benefits
  4. Catastrophic injury
  5. Brain or Head injury
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  8. Drunk driving accidents
  9. Concussion syndrome
  10. Post Traumatic Stress Disorder
  11. Business Interruption Insurance
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  2. Bicycle accidents
  3. Disability insurance claims
  4. Slip and fall injury
  5. Fractures or broken bone injury
  6. Pedestrian accidents
  7. Chronic pain
  8. Truck accidents
  9. Amputation and disfigurement
  10. Fibromyalgia
  11. Nursing Home Fatality Claims

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