Qhathanisa umshwalense wemoto ngenzuzo yakho siqu Motor Versekering Kwotasies ?
Umshuwalense wezinto zonke useduze nathi njengomhlambi wezinyosi. Kudingeka sithathe okulungile noma mhlawumbe singalunywa kakhulu Motor Versekering Kwotasies in Gauteng. Kungakhathaliseki ukuthi yimiphi imikhiqizo oyibizayo kukhona umshuwalense. Kusuka emotweni encane eya endlini enkulu ihlanganisa yonke into. Manje esimweni esinjalo kuba okubalulekile ukulandelela abahlinzeki bomshuwalense wangempela. Sonke sivame ukuzwa ukuthi izinkampanini zomshuwalense ezihlukahlukene zinikeza abantu abanezingcaphuno zemincintiswano zomshuwalense ngokuqhathaniswa okuphelele, ngamazinga aphansi e-premium. Nakuba kungase kuzwe kulula kodwa akuyona into eqinisweni, kunezinto eziningi okufanele uzibheke ukuphepha kwakho. Ngokwesibonelo, izinkampani zomshuwalense azinikezeli inqubomgomo efanayo namakhasimende amabili ahlukene. Ngakho, abathengi kumele bahlole izinkampanini zomshuwalense wemoto nezinqubomgomo zabo zokuba nenqubomgomo engcono kakhulu yomshuwarensi etholakala khona kuwebhu. Omunye udinga ukuqhathanisa umshuwalense wemoto ngale njongo. Kuphela emva kokuhlolwa okuphelele kwezici zemibango ehlukahlukene yemoto eyodwa kufanele ihambisane phambili. Lokhu kungamvumeli ukuthi asebenze kahle, kodwa futhi kumenze aqaphele ezinye izinto ezibhekene nokubheja. Umuntu uyaqiniseka ukuthi ahlale kude nomshuwalense wemoto eshibhile uma ekwazi amadili angcono, ngemuva kokuqhathanisa konke okukhethwa kukho emakethe. Udinga nje ukuyeka isikhathi sakho sosuku nosuku ukwenza lokhu futhi ekugcineni uyenzela okuhle kuwe. Lezi zonke zichaza ngokucacile isizathu sokuqhathanisa ukubheja kwemoto ngaphambi kokukhetha eyodwa.
Ukuze wenze yonke inqubo yokuqhathanisa ukuthi udinga ukwazi ukuthi ungenza kanjani ukuqhathaniswa kwemali yokuphepha kwemoto. Okokuqala hlola ubuqiniso benkampani. Ubunikazi benkampani nokwethembeka kuboniswa isevisi yamakhasimende. Zama ukuthola ukuthi zinhle kangakanani ezindaweni zokumangala. Bheka ukuthi umshuwalense wakho uhlanganisa imoto engaphezu kweyodwa ngaphansi kwenqubomgomo eyodwa. Eziningana zalezi zinqubomgomo zinikeza amazinga aphansi e-premium ama-insured amabili anakekelwa ngaphansi kwenqubomgomo eyodwa. Qhathanisa izindleko zomshuwalense wemoto kanye nobubanzi bezinqubomgomo ezehlukene. Isibonelo, izinqubomgomo ezehlukene zinemikhakha ehlukene, njengokungena kwezokwelapha kanye nekhava eliqashisayo. Abathengi ngokuvamile bangathola izici ezithile zisuswe kuwo noma bakhethe enye inqubomgomo ngezinga eliphansi. Into elandelayo ebalulekile okudingeka ukwenze iqhathanisa ama-deductibles. Ngokusekelwe kuzidingo zakho, khetha inqubomgomo ngama-premium aphansi kanye ne-deductibles ephakeme, noma ngokuphambene nalokho. Zama ukunquma ukutholakala komshwalense wemfanelo. Buza ukuthi izinga elingakanani lokubanjelwa ngabantu abangekho abashayeli abaphephile.
Ngemva kwalokho udinga ukwazi ukuthi kufanele uqhathanise kanjani izinkampanini zomshuwalense wemoto ezahlukene. Yenza ucwaningo oluningi ngokubaluleka kwamakethe athile kanye nokuvumelana kwezezimali. Lokhu kukuvumela ukuba ulandele abaholi bemakethe yangempela kusuka kulo lonke i-lot. Qaphela ukubuyekezwa kwabanikazi bezinqubomgomo namakhasimende ukuthola umbono omuhle mayelana nenkonzo yamakhasimende yomshuwalense. Ngokubheka wonke lawa maphuzu uzokwazi ukuthi ngabe wenze iphutha ukukhetha inkampani yakho. Konke lokhu kufaka isicelo somshuwalense wekhaya. Ngakho-ke, udinga ukuqhathanisa umshuwalense ekhaya futhi.
Amaqiniso Okuthakazelisayo Ngayo Motor Versekering Kwotasies ku South Africa:
Mayelana Motor Versekering Kwotasies ku South Africa:What Is Auto Insurance?Auto insurance is a product that is purchased and also that can pay for damages to your vehicle or others' vehicles in the event of a car accident or non-accident related harm. Each state has its laws regarding the amount of car insurance that each person should have to be able to drive legally. Many different factors influence auto insurance rates, as well. It does not even base on various companies; it is up to the insurance industry to determine what car insurance is and how much each person will pay for auto coverage.What is car insurance? It seems like a very fundamental question. However, there are many different facets and elements to consider about car insurance that it can get complicated very fast if you're not that prepared for what you're getting in. You need to know how rates are more calculated what types of coverage are available, how much coverage you need or can get, and which companies offer the best auto insurance for your needs.What Does Auto Insurance Cover?Auto insurance is used to protect you the individual or a business or organization from financial loss in regards to a motor vehicle. Financial loss can happen due to many reasons, and having auto insurance can cover your losses in a variety of ways.Liability for Property DamagesResponsibility for property damages is coverage against damage you or a person driving your vehicle with your permission does to someone else's property. Costs can include the other vehicle, utility poles, fences, buildings, homes, businesses, or almost any type of structure your car comes into touching.CollisionCollision coverage usually protects your vehicle from damages resulting from an accident with another vehicle, pothole, car flipping over, etc. Collision coverage will pay for repairing your vehicle, or if your vehicle has damaged in the accident, it will reimburse you for the value of the car subtracting deductible and in many cases other costs.AUTO INSURANCE IN THE USAAuto insurance is a necessity, and this is amply evident from the fact that all states of the USA have made it mandatory to have car insurance on all vehicles. Most of the time, this appears to be a bothersome exercise, but why to wait until you get involved in an accident to find out how taking an auto cover takes care of your assets and you. High medical expenses and lawsuit judgments on the rise make it worthwhile to protect yourself and your precious vehicle with car insurance.Furthermore, all jurisdictions have made it compulsory to have two auto insurance systems - the no-fault system, and the Tort system. The former type of insurance favor in most states dictates that your insurance carrier shall pay the injury claims no matter who caused the accident in reality. The amount payable is up to a specified limit, and if you are involved in an accident, your carrier is liable to pay for the injury. As against this, the Tort system the injured party will have to take care of the medical expenses from their packet and then claim it from the guilty driver's insurance carrier as recompense.With the number of accidents and theft occurring widely in the USA, it is essential for every auto owner to buy such an insurance coverage to secure both the vehicle as well as its owner in times of need.In the USA if you want to have a car on the road you have to have auto insurance. Some states even have coverage minimums where you have to have a certain dollar amount of coverage; usually, this is called primary coverage.How To Get Better Auto Insurance In The USAAuto insurance covers accident to a car. The insurance company pays for the financial loss to the owner in return for a small amount of money paid periodically. The amount paid annually is called premium, and the contract you draw up with the insurance company is known as the insurance policy. The insurance company allows you to hold the contract, and you become the policyholder.Car insurance may not come cheap. However, under unforeseen circumstances of loss or damage to your vehicle, compensation will seem like a godsend. Periodically shelling out lumps of money for protecting your car or cars owned by your business, may look expensive. There could be a tendency to try and cut corners by availing the minimum motor insurance packages. However, even minor car damage is overly expensive; therefore, a minimum package may not give you the extensive coverage at a time when you need it most.Types Of Auto Insurance In the USAThe most common types of auto insurance available in the US are the Liability Insurance, Auto Collision and Comprehensive Insurance, Medical Payments and Personal Injury Protection, and the Uninsured Motorists and Underinsured Motorists coverage. Most modern companies offer these.Liability insurance cover pays for the damage you cause to others and their property. It pays for the legal expenses involved and for the expenditure for the victim going to the court claiming damages, within your liability limits. In a case of an accident, the costs of repairing your car are covered by the collision insurance. The comprehensive insurance covers damages caused by incidents other than car accidents, such as natural calamities, theft, fire, vandalism, and hitting an animal.In a case of the insured person and the co-passenger needing medical treatment for bodily injury due to an accident, this is covered by the Medical Payments coverage. Personal Injury Protection will cover the medical expenses and the wages lost by you and the co-passenger if injured in the accident.Why You Need Auto InsuranceThe primary objective of any insurance is to protect the policyholder and his family against the consequences resulting from an unexpected injuries or death and financial burdens in the event of these disasters. It is a contract between the related insurance company and you, where you agree to pay the premium for the losses that the insurance company will need to cover in the event of accidents.The auto insurance covers these three main areas:Property coverage - refers to the damage or the theft of your carLiability coverage - relates to your legal responsibilities to others whom might in the cause of the property damage loss be incapacitatedMedical coverage - refers to the medical treatments, therapy charges, rehabilitation, lost in the ability to work, or even funeral expenses where there are faculties.The Work Of Auto InsuranceThe auto insurance also protects you from uninsured drivers or motorists. In this case, the uninsured motorists or drivers have no insurance company to pay you for the damage which had happened, but luckily you still have your insurance company to bear the losses.Protect the bank which had provided the car loan to finance your vehicle. Because if there are any disaster happening to your vehicle, no one will be able to lend or provide any additional money to you to fix the car other than the auto insurance company. Otherwise, you will need to repair the damage made to the car by your own, and this would prevent you from paying for the periodic monthly loan payment on time. The consequences are that the bank will not lend you any more money in the future, with the bad credit standing which you are in at least for some considerable amount of time.
Motor Versekering Kwotasies ku South AfricaWHAT YOU NEED TO KNOW ABOUT YOUR RIGHTS, REMEDIES, AND THE LEGAL PROCESSIF YOU OR SOMEONE YOU KNOW HAS BEEN INJURED IN AN ACCIDENT, THIS IS A BASIC GUIDE TO HELP YOU AND YOUR FAMILY:• Know your rights.• Access the help that is available.• Choose the best lawyer for you.TEN IMPORTANT STEPS TO TAKE WHEN INJURED IF YOU OR SOMEONE YOU KNOW HAS SUFFERED A SERIOUS PERSONAL INJURY, SOME VERY IMPORTANT STEPS NEED TO BE TAKEN WITHIN THE FIRST FEW DAYS:1. Make sure the police have all of the information they need about the accident.2. Record the names and addresses of involved parties and witnesses to the accident.3. Keep your family doctor informed of your injury.4. Notify your insurance company as soon as practicable of your car accident.5. Notify your employer or school.6. Record the names and contact information of your health care professionals.7. Record insurance information.8. Keep receipts for all related expenses. Family members should also record dates and time spent caring for the injured person.9. Check for other insurance coverage (i.e. through your work, school or private plans).10. Contact a personal injury lawyer and know your rights.OBTAINING COMPENSATION FOR INJURIES ABOUT YOUR RIGHTS, REMEDIES, AND THE LEGAL PROCESS1. How do I know if I have a claim?If you are injured in an accident, you may have the right to make a claim against the person who caused or contributed to your injury. Claims for compensation can be made for injuries suffered in many situations and are often covered by insurance.2. What if the accident is my fault?If you are injured in an automobile, snowmobile, ATV, motorcycle or dirt bike accident, you are entitled to certain accident benefits (usually paid by your own insurance company), even if you are at fault for the accident.Further, depending on the circumstances of the accident, you may also be entitled to benefits from other sources. We can help you identify those potential sources and obtain the benefits to which you are entitled.3. Where do I begin?The first step is to determine if you have a claim. The quickest and surest way to do this is to consult with a lawyer as soon as possible after a serious personal injury, because there are strict time limits and deadlines that must be met in order to avoid delays or disqualification from obtaining compensation.4. What if I am injured in an automobile accident?There is a special system for obtaining compensation related to motor vehicle accidents. Unfortunately, it is complicated. Our experienced professionals can help you obtain full and just compensation.There are two sources of compensation, both described below:- A claim against your own car insurance company or the car insurance company of another vehicle involved inthe accident is called the Accident Benefits Claim; and- A claim against the at-fault driver is called the Tort Claim.5. Can I claim for other types of accidents?Yes. If your injury was caused by the negligence of someone else, you may be able to seek compensation.For accidents that do not involve motorized vehicles, accident benefits are not available. Generally, compensation for your losses will not be paid by the insurance company until the end of your case. However, in certain circumstances, we may be able to persuade the responsible party's insurance company to make an advance payment.TYPES OF CLAIMS:• Accidents involving cars, motorcycles, planes, boats, trains, snowmobiles, ATVs and other motorized vehicles.• Slips and falls on public or private property.• Injuries caused by defective products.• Medical negligence.• Assaults.We understand that you may be uncomfortable dealing with a lawyer. Most of the people we represent have never talked to a lawyer before. However, you will find that the assistance of an experienced personal injury lawyer is informative and helpful.You may also have concerns about the cost of talking to a lawyer. Find a lawyer who will provide free consultations, and in most cases do not require any payment until you receive compensation. When you meet the lawyer, ensure you are informed about legal fees and costs.ACCIDENT BENEFITSWHO IS MY ACCIDENT BENEFITS INSURER?If you are injured in a car accident, no matter who is at fault, you are entitled to accident benefits. These benefits are available to you from either:• Your own car insurance company;• The car insurance company of any other vehicle involved in the accident; or• The Motor Vehicle Accident Claims Fund (1-800-268-7188).You may qualify for the following accident benefits:• Weekly benefits- A benefit for lost income from employment, equal to 70% of your gross income, to a maximum of $400 per week.*- If you were not employed at the time of the accident, a non-earner benefit of $185 per week (and in some circumstances $320 per week). This benefit is not available until 6 months have passed since the date of your accident.- In certain situations, if you were the primary caregiver for a person in need of care, a caregiver benefit of up to $250 per week, plus $50 for each additional person requiring care, may be available based on "incurred"** expenses.* See glossary of terms "Optional Benefits" ** See glossary of terms "Incurred" ExpenseMedical and Rehabilitation Benefits• The accident benefits insurer is required to pay for a wide range of "incurred"** medical and rehabilitation expenses over and above what is paid by O.H.I.P.:- If you suffer a non-Catastrophic injury - up to $50,000 is available over a 10 year time period*; or,- If you suffer a Catastrophic injury-up to $1,000,000 is available over your lifetime.*- All fees and expenses for conducting assessments, examinations and preparing reports are paid out of your medical and rehabilitation limits.- If you suffer a Minor Injury, only $3,500 is available, except in certain circumstances.Attendant Care Benefits• The accident benefits insurer is also required to pay for various personal care services, as determined by an Occupational Therapist or Registered Nurse, that you require and have "incurred"** following your accident, to a maximum of:- If you suffer a Catastrophic injury-$1,000,000 ($6,000/month) over your lifetime;- If you suffer a non-Catastrophic injury-$36,000 ($3,000/month) for up to 2 years; or,- If you suffer a Minor Injury, Attendant Care Benefits are not available.Death and Funeral Benefits• $25,000 to the victim's spouse.• $10,000 to each former supported spouse.• $10,000 to each of the victim's dependants or more if the victim had no spouse.• $10,000 to the person upon whom the victim was dependant.• Up to $6,000 for funeral expenses.The Accident Benefits Claim - Time Limits and FormsThe insurance process is very complicated and includes very specific time limits that must be met to avoid delay or denial of your benefits.During your initial consultation with Thomson, Rogers we will help you fill out the accident benefits application, at no charge.The following is a summary of some of the steps that must be taken to claim Accident Benefits:• Determine which insurance company should pay the benefits.• You must provide "written notice" to the accident benefits insurer within 7 days of the accident.• Complete an application for accident benefits within 30 days of receiving the forms from your insurance company.• Your treating health care professional and your employer must complete certain forms.• If requested, you must, within 10 business days of the request, provide your insurance company with information they need to determine your entitlement to accident benefits, such as hospital records and family doctor records.• If requested, you must, within 15 business days, provide a health practitioner's disability certificate.• If requested, you must provide a statutory declaration-a sworn statement describing the circumstances that gave rise to your claim.• If requested, you may be required to attend an examination under oath, where you will be questioned by the insurance company. If required to do so, we urge you to have a lawyer present to represent you.OTHER AVAILABLE BENEFITS INCLUDE REIMBURSEMENT FOR:• The expenses of immediate family members and/or those living with the injured person who visit during treatment or recovery. These expenses can include the cost of meals, mileage, travel and hotel. Please remember to keep your receipts.• In cases involving catastrophic impairment, or where additional optional benefits have been purchased, Housekeeping and Home Maintenance Expenses, of up to $100/week may be available, based on "incurred" expenses.• Damage to clothing.• Lost education expenses for students, to a maximum of $15,000.• Please note - some of these benefits may be increased if your insurance policy includes additional optional coverage.MAKING A CLAIM AGAINST THE AT-FAULT DRIVERHow do I proceed with a tort claim?• Retain a personal injury lawyer.• They will give written notice of your intention to sue.• They will make sure that accident benefit claims are properly submitted to the insurer.• They will start a lawsuit within the prescribed time limit.What can I claim?Pain and Suffering• In a motor vehicle accident claim, in order to claim for your pain and suffering, you must suffer a permanent serious impairment of an important physical, mental or psychological function or permanent serious disfigurement, such as scarring. This is usually referred to as "the threshold test".• The law states that your claim for pain and suffering may be subject to a monetary deductible. This means that a portion of your claim may not be recovered.Loss of Income and Inability to Earn Income• From the first week after the accident until the time your case settles or reaches a trial, you can claim 70% of gross income loss. If you continue to be disabled from work, future income loss can be claimed based on 100% of your gross income loss.• In most cases, you must first seek compensation for income loss from:- any disability insurance; and- your accident benefits insurer.• If the sources of income replacement are insufficient to pay for your actual income loss, then an additional amount may be claim-able.• No income loss is payable for the first week following the accident.Housekeeping and Home Maintenance claims in tort action• If you are unable to maintain your home as you did before the accident, you can claim reimbursement for expenses you incur or will incur.• You must first seek reimbursement for housekeeping and home maintenance expenses from your accident benefits insurer, if available.Health Care Expenses in tort actionAll past, present and future health care expenses not covered by O.H.I.P. or by your accident benefits insurer are claim-able if your injuries pass the "threshold test".Claims by Family MembersFamily claims with respect to the loss of care, comfort and companionship in tort action• Certain family members may be able to make a claim if your injuries pass the "threshold test".• The law states that the claims of your family members may be subject to a monetary deductible, although no deductibles are applied in cases involving a fatality.FREQUENTLY ASKED QUESTIONS1. How and when should I talk to the insurance company?When you are claiming accident benefits, you need to notify the accident benefits insurer and provide information in support of your claim. In most cases, your insurance company will send an insurance adjuster to meet with you and talk about the accident and your injuries. Here are some important points to remember:- Be aware that anything you say to the insurance adjuster will go into your file and can affect your future accident benefit and tort claims.- Only talk to the adjuster when you are medically able.- Get legal advice and know your rights before meeting with the adjuster. Why? Insurance companies deal with cases like yours all the time. This is likely your first time dealing with an adjuster. Keep the playing field level by knowing your rights.- You have no obligation to speak to an adjuster from the insurance company of the at-fault person. However if you choose to, we recommend that you speak to a lawyer first.2. How do I complete all of the forms?When you are claiming accident benefits there are several forms that must be completed before any benefits are paid. Your lawyer can help you complete the forms during the initial meeting.3. What if the injured person cannot make decisions due to incapacity?If an injured person has a severe injury that prevents the person from making his or her own decisions, then the family is entitled to make decisions regarding treatment while the person is confined to the hospital. Thereafter, it is possible to appoint a person as a substitute decision-maker on behalf of the injured person.4. What if I am at-fault for the car accident - do I still have a claim?Yes, regardless of how the accident happened or who caused it, your entitlement to accident benefits may be substantial, depending on your injuries.5. What should I do if I am hurt in a car accident and can't work, go to school or take care of my children?There are benefits available to replace lost income, and recover school expenses, and in certain circumstances, to pay child care providers.6. What if I was driving my car without car insurance and was involved in an accident?You cannot pursue a claim against any at-fault driver if you were knowingly driving your car without car insurance. However, you remain entitled to claim medical, rehabilitation, attendant care benefits.7. How will the accident affect my insurance rates?If the accident is your fault, your car insurance rates may increase. If the accident is not your fault, your car insurance rates should not increase - even if you make a claim for benefits.8. What if the accident occurred while I was working?We suggest you consult a personal injury lawyer to determine if the claim should be pursued through the insurance company or the Workplace Safety Insurance Board (W.S.I.B.).9. Who chooses the case manager or treatment providers?The injured person is entitled to select case managers and other treatment providers. We recommend that you interview qualified health care professionals before you make a choice. Lawyers, social workers and insurers can put you in touch with these professionals.THERE ARE TIME LIMITS TO ALL CLAIMSHOW DO I KNOW HOW MUCH TIME THERE IS?The law in Ontario places a number of rigid and unforgiving time restrictions on your right to pursue a claim. If you do not start a lawsuit within the time limit, it is possible that you will lose your right to pursue a claim.The following time limits apply:• Motor vehicle accident:- Inform accident benefits insurer of accident within 7 days of accident.- Complete accident benefits application within 30 days of accident.- Mediate and sue or arbitrate against the accident benefits insurer within 2 years of a denial of a benefit.- Give written notice to at-fault driver within 120 days of accident.- Sue at-fault driver within 2 years of accident.- Loss or damage to vehicle - if not resolved, must sue within 1 year of accident.• Motor vehicle accident caused by slippery road or non-repair of road:- Provincial Road - sue within 2 years of accident.- Municipal Road - give written notice within 10 days of accident; sue within 2 years of accident.• Fall on a municipal (city) sidewalk:- Give written notice within 10 days of accident, if caused by snow or ice.- Sue within 2 years of the incident.• Accident involving provincial streetcars or trains (GO Transit, etc.):- Sue within 2 years of the incident.• Fall on provincial property:- Give written notice within 10 days of the incident.- Sue within 2 years of the incident.• Lawsuit against the provincial government:- Give 60 days notice before suing.- Sue within 2 years of the incident.• Accident and sickness insurance:- Check contract of insurance.• Fatal accidents (death):- Generally, you must sue within 2 years of accident (unless a shorter limitation period applies).• Victims of assault:- Sue within 2 years of assault.• Public authorities (OPP, municipal police, etc.):- Give written notice within 10 days of accident.- Give 60 days notice before suing.- Sue within 2 years of accident.• Medical Malpractice:- Sue within 2 years from the time you knew or ought to have known of the facts giving rise to malpractice.1. Do I really need a lawyer?Seeking compensation for injuries is a complicated process. You should not make any decision without being fully aware of all your rights. We specialize in personal injury cases. We can help you understand your rights, and we can assist you with the following:- Early investigation of the circumstances surrounding the accident. This is very important, as witnesses move, memories fade over time, and records are not always kept.- Your insurance company may not advise you of all the benefits to which you are entitled. We will.- Your health care providers may suggest that you need services or goods for which your insurance company may not agree to pay. We will work with you and your treatment team to ensure that you obtain access to all reasonable and necessary treatment and rehabilitation services.- We will assist you in obtaining a fair and complete settlement of your claims.- Claims against someone at-fault for your injuries are processed through the legal system. This process is complicated and a lawyer is essential in order to resolve your case in your best interests. We have the resources, skill and determination to pursue your case through to trial.2. What should I expect from my lawyer?Lawyers should be prepared to come to the hospital or to your home to meet you and your family. There should be no obligation or fee charged for the initial meeting. Your lawyer should have a thorough understanding of personal injury law and we be able to explain your rights in clear language that you can easily understand. We will be frank and open about what we can achieve for you and what we will charge you. We will provide to you a complete written explanation about legal fees.3. What should I ask my lawyer?Ask your lawyer to explain the rights and obligations that you have and the claim that you may pursue. You should ask us about our qualifications and depth of experience in handling cases like yours. Be assured a personal injury lawyer will be available to answer all of your questions.4. The law firm's website.The website should provide up-to-date information regarding the firm, lawyer biographies, events, community involvement, and a personal injury resource directory that will help you find health care and other relevant information.OTHER ASSISTANCEHOW DO I ACCESS MEDICAL, GOVERNMENT AND COMMUNITY RESOURCES?Workplace Safety and Insurance Board (W.S.I.B.)Canada: 1-800-387-5540Ontario: 1-800-387-0750Toronto: 416-203-4530• If you were injured at work or during the course of your employment.• Claims must be made within 6 months of the injury.• In work-related accidents involving an automobile, you may have the right to elect to receive accident benefits and pursue a tort claim, rather than accept W.S.I.B. benefits.Criminal Injuries Compensation BoardToll-free: 1-800-372-7463Toronto: 416-326-2900• If you were a victim of crime.• A claim should be filed with the Board within 2 years from the date of the incident.Ontario Human Rights CommissionToll-free: 1-800-387-9080Toronto: 416-326-9511• If you have been discriminated against or inappropriately terminated from your employment.Canada Pension Plan (C.P.P.)Toll-free: 1-800-277-9914• If you have questions regarding retirement pension, disability benefits, death benefit, children's benefits and survivor's pension.The Ontario Brain Injury Association (O.B.I.A.)Toll-free: 1-800-263-5404• O.B.I.A. will be able to put you in touch with appropriate, local brain injury associations located across Canada and the United States.• These are not-for-profit organizations that can help you and your family deal with the effects of brain injury.• They can provide resources for programs and services available in your community.The Canadian Paraplegic Association of OntarioToll-free: 1-877-422-1112Toronto: 416-422-5644• A not-for-profit organization to assist people with spinal cord injuries.GLOSSARY OF TERMSAccident Benefits - Benefits in the form of money or assistance provided to persons injured in a motor vehicle accident, regardless of who is at fault. Types of accident benefits include non-earner, income replacement, caregiver, attendant care, medical, rehabilitation, education, damage to clothing, visitation, housekeeping and home maintenance, funeral, etc.Adjuster - A person who investigates and/or adjudicates insurance claims on behalf of an insurance company.Attendant Care - A type of accident benefit an injured person receives to pay for care/assistance in his or her daily living. Assistance may take the form of cooking, cleaning, helping the injured person get dressed or supervising the injured person. The cost of providing attendant care may be paid by the insurance company to the person providing the care, whether it is a health care professional or a family member.Case Manager (Qualified) - A rehabilitation professional who coordinates rehabilitation services following an injury. Catastrophic Impairment - The most serious of personal injuries. Examples include: quadriplegia; paraplegia; amputation of arm or leg or impairment causing the total and permanent loss of use of an arm or leg; total loss of vision in both eyes; injuries resulting in an impairment of 55% or more of the whole person; brain impairment measured by a score of 9 or less on the Glasgow Coma Scale; marked or extreme mental or behavioural impairment; and severe disability from brain injury measured using the Glasgow Outcome Scale. A person having a catastrophic impairment becomes entitled to maximums of $1,000,000.00 for medical/rehabilitation needs, plus $1,000,000.00 for attendant care plus housekeeping expenses, payable over the lifetime of the injured person.Damages - The losses the plaintiff has suffered because of the defendant's conduct. These losses can take many forms including compensation for pain and suffering; loss of past, present and future income; health care costs; loss of social or familial relationships; etc.Deductible - In lawsuits arising from a motor vehicle accident, after an award for compensation for pain and suffering is established in court or during the settlement negotiations, the award may in some case be reduced by statutory amount.Defendant - A person and/or corporation that is being sued by a Plaintiff. Examples of defendant corporations include an insurance company, a leasing company, a municipality, a tavern, a property owner, a hospital, etc. Most defendants in personal injury lawsuits are insured. A defendant's insurer will usually appoint a lawyer to act on behalf of the defendant.Glasgow Coma Scale - A medical test used to determine brain impairment resulting from an accident. It is based on a scale of 3 to 15, with a lower score often indicating a more serious injury. A score of 9 or less usually results in the person being deemed to have sustained a catastrophic impairment.Health Care Expenses - A category of tort entitlement that includes goods and services for medical expenses, rehabilitation, and attendant care."Incurred" Expense - New definition of "incurred" requires the claimant to pay or promise to pay the expense and requires that the service provider provide the service in the course of the employment, occupation or profession, in which he/she would have normally been engaged, but for the accident, or that the person has suffered an economic loss in order to provide the service.Insurer Examination/Section 44 Assessment - The insurer may appoint health care professionals of their choosing, to perform assessments in order to determine whether to pay a benefit.Limitation Period - When a person suffers an injury, the law imposes a time limit in which to issue a Statement of Claim. If one fails to issue the Claim within the time allotted, all rights to compensation are lost.Minor Injury - One or more of a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and any clinically associated sequelae.Optional Benefit - Additional Benefits purchased by the Insured or in some cases a family member of the Insured. Personal Injury Law - The area of law that involves persons who have been injured in an accident. Accidents include motor vehicle, slip and fall, medical malpractice, boating, assault, etc.Pre-Claim Examination - The accident benefit insurer may request an assessment by health care professionals of its choosing, before you even apply for benefits. The injured person has the right to refuse this assessment and may do so without penalty.Plaintiff - A person who has sued another person, corporation or insurer (the "defendant").Statement of Claim - A document that begins a lawsuit and claims "damages" from one or more defendants based on the defendant's acts or omissions causing loss, injury or harm to the Plaintiff. A Statement of Claim is generally prepared by the Plaintiff's lawyer.Statement of Defence - A defendant's response to the Statement of Claim. It is usually prepared by the defendant's lawyer. Often, it will deny the allegations made in the Statement of Claim.Threshold - A level of impairment or disfigurement that a Plaintiff must prove in order to recover certain compensation in a motor vehicle tort claim. This means that the injury must be either a permanent, serious disfigurement (like a scar) or a permanent, serious impairment of an important physical, mental or psychological function. There are many court decisions that help a lawyer specializing in personal injury law to advise you about whether your injuries "meet the threshold".Tort - An area of law in which one party sues and seeks monetary compensation (money) for injuries and losses suffered because of the fault or negligence of another party. This contrasts with accident benefits (no-fault benefits) where benefits are paid without reference to fault.* This information is available in other languages through our interpreter services.
Claims-Made Vs Occurrence - Types of Medical Professional Liability InsuranceIf you currently live in Missouri or you're planning to move there, auto insurance is something you'll definitely consider if you plan on owning an automobile. Auto insurance covers you in case you cause damage to any person's property or body, and it is absolutely required in order to register and drive any vehicle.Each state has its own laws and regulations when it comes to auto insurance, so it might be a good idea to visit Missouri's Department of Motor Vehicles website to get full details of exactly what you need. In general though, there is a minimum liability insurance that you need to be covered for. In the State of Missouri, this is as follows: $25,000 minimum coverage for bodily injury per person, $50,000 minimum coverage for each accident, and $10,000 minimum property coverage f or each accident. It's good to know this information when shopping around for car insurance so you're better informed and can get the policy that's best for you.Liability insurance, which is manditory in Missouri, does not cover the policy holder in the event of an accident. This type of insurance only covers third party drivers and property. To insure yourself and your own car, you should consider collision and comprehensive coverage. If you want even more peace of mind, you can opt for uninsured or underinsured driver insurance, which protects you in case someone hits your car and is uninsured or underinsured.When searching for the best car insurance rates in Missouri, the best advice is to shop around and compare at least 5 different insurance companies. You might be surprised to see how much policy rates differ between different companies, even for same or similar coverage options. That's why it's important to shop around and compare multiple car insurance rates.Even if you're currently insured, you might be able to save hundreds of dollars a year by switching auto insurance providers. You can compare multiple quotes online in a matter of minutes, so you've got nothing to lose, however you could end up saving a lot.The Missouri Insurance Information Service says more than 20,000 vehicles were reported stolen in 2008, nearly half of them in St. Louis and Kansas City. This would make sense considering these are two of the largest cities in the state, however this is bad news for residents of St. Louis and Kansas City as this means that they will probably be paying higher insurance rates due to the high auto crime rate. The five most commonly stolen vehicles in Missouri are the Dodge Intrepid, Ford Taurus, Pontiac Grand Prix, Dodge Stratus and Oldsmobile Cutlass, so you might want to avoid these cars to keep your car insurance rates as low as possible.
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