Articles for Non-Lawyers

What if the accident was my fault but I was really hurt, do I have a case then? by Patricia Santucci

Possibly. You may have an accident benefits case against your own insurance company if it refuses to pay you the benefits you need and are entitled to under the policy. In Ontario, we have what is called, “no-fault” legislation. This means that whether the accident was your fault or not, your own insurance company is responsible to pay you certain benefits under your own auto policy right away.

There are many different benefits available under the accident benefits portion of your auto policy such as an income replacement benefit and medical and rehabilitation benefits for example. These benefits are in place to protect consumers but often end up being the hardest fought fights between insured people and their insurance company. As of September 1, 2010, this area of law underwent significant changes. The government promoted the changes as more choice for the consumer which ultimately meant more expense and less coverage. This is why it is very important that you contact a personal injury lawyer so that you may know what benefits are available to you and what your options are if benefits are denied. I am very familiar with these problems. I can help. (20)

About the Author Patricia Santucci

Patricia Santucci is a personal injury lawyer born and raised in Hamilton, Ontario. She holds several degrees having attended King’s College at the University of Western Ontario, McMaster University, earned a Master of Arts degree at the University of Windsor and an Ontario Teaching Degree from Teacher’s College as well as her Ontario Teaching Certificate. After graduating from the University of Alberta law school she was called to the bar in 2000. You can find Patricia on and LinkedIn or directly through this website