Every year, some Northern Travellers (Snowbirds) while heading south, are involved in relatively minor accidents. Unfortunately, some can be quite serious, with catastrophic consequences.
If involved in an accident what should you do?
- Your first priority is always the health of you and your family -Seek out medical attention.
- Make sure the police are contacted.
- Call your insurance company and report the Accident
- Contact us as soon as possible.
WHAT ARE MY RIGHTS?
1) Regardless fault, your own car policy will provide immediate help to pay for medical and rehabilitation expenses. These benefits are commonly referred to as Personal Insurance Protection (PIP) or Accident Benefits.
- Claiming these benefits should not increase your insurance rates.
- Accident Benefits are also available to passengers, pedestrians and bicyclists.
- They are available even if the accident was your fault.
- There are strict timelines for filing a claim, some as short as 3 – 7 days from the date of an accident.
- Accident Benefits can immediately assist you and your family to pay for medical and therapy expenses. In serious cases, the benefits can help ay for the costs of caring for a loved one.
Applying for (PIP) Accident Benefits. After reporting the accident to your insurer they will send to you an claim application. It must be completed by everyone in your vehicle involved in the accident. The Application allows the insurer to gather basic information: a description of the accident; the injuries sustained; treating doctors and hospitals involved; medical and rehabilitation expenses needed or incurred; and, any inability to work.
You will also need to disclose any private and group health plans that may be available to you. Some car insurance benefit schemes require you to access these plans before asking them to pay.
2) In serious, catastrophic accidents we can arrange for a health care professional from your home state or province or an Attorney/Lawyer to meet with you to help process your accident insurance forms (PIP).
3) Subject to where the accident happened, and the facts of the accident, you may be entitled to bring a lawsuit (Tort Claim) – against the at fault driver. (See our “Where was the The Accident?
4) Be aware: Each state and province has different statutory time limits in which to bring a claim. If you do not bring an claim within the prescribed time, you can be prevented from doing so.
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