Pedestrian and Bicycle Accidents
From a Snowbirds’ perspective, Vacation and Retirement involves getting out to see the sites, enjoying the sunshine, and the desire to live a healthier active life style. Unfortunately, walking and bicycling in and around roadways, can result in being struck by a car.
What should you do if struck by a car?
- Make sure the police are informed;
- Seek medical attention;
- Inform your family doctor of the accident and your injury;
- Obtain the driver’s licence and insurance particulars;
- Notify your own car insurer about the accident and claim your accident benefits,
- Give us a call.
Regardless of fault nearly everyone injured in a motor vehicle accident is entitled to some form of “Accident Benefits” from their own car insurer. If you have no car insurance, you may be entitled to access the insurance of the car that struck you or even a family members car policy.
Accident Benefits are very Important.
Accident Benefits, sometimes referred to as Personal Insurance Protection can immediately assist you and your family with medical and therapy costs. In serious cases, it can help pay for the care of a loved one at home or in the hospital.
When and How Do I Obtain Accident Benefits (PIP)?
Most insurers want you to contact them within 7 days of the accident. Upon discharge from a hospital, you may need therapy, equipment, assistive devices, attendant care or other medical services. Your benefits need to be applied for as soon as possible, so they can be co-ordinated with your discharge home.
Applying for (PIP) Accident Benefits. After reporting the accident, your insurer will send to you an application that must be completed by you. The Application allows the insurer to gather basic information: a description of the accident; injuries sustained; treating doctors and hospitals involved; any 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. Most private insurance benefit policies require you to first access Federal, State or Provincial health plans prior to their involvement.
In serious, catastrophic accidents we can arrange for a health care professional from your home state or province to meet with you to help process your accident insurance forms (PIP).
Can I sue? Maybe Yes. Maybe No. Cross Border Accidents are exceptionally complicated. After a serious accident, you will need a lawyer in the state you or your family was injured in, and possibly where you purchased your private insurance coverages.
Call us for a free consultation.
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