Car accidents

Car Accidents

Every year when Canadian and USA residents drive across north america, they are sometimes involved in car accidents. Unfortunately, some accidents can be very serious, and others severe catastrophic consequences.

snowbird car accidents

What should you do if you’re involved in a cross border car accident?

  • 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.


1) Regardless of fault,  Most car insurance policies provide immediate help to pay for property damage claims.

Importantly the policy will also pay for medical and rehabilitation expenses that might be incurred. These benefits are commonly referred to as Personal Insurance Protection (PIP) or in Ontario Canada they are referred to a Statutory 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 the accident.
  • Accident Benefits can immediately assist you and your family to help pay for medical and therapy expenses.  In serious catastrophic cases, Ontario SAB  benefits will make available up to 1,000,000 per claimant.

Applying for (PIP) Accident Benefits. 

After reporting the accident to your insurer they will send you a claim application. 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, whether there is an 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 policies require you to access these plans before asking the insurance company to pay.

2) In serious, catastrophic accidents, members can arrange for a local health care professional and Attorney/Lawyer to meet with you and assist with process your accident insurance forms (PIP).

3) Subject to where the accident happened, and the details of the accident, you may be entitled to bring a lawsuit (Tort Claim) – against the at-fault driver.  

4) Be aware:  Each state and province has different statutory time limits in which to bring a claim. If you do not bring a claim within the prescribed time, you may be prevented from ever doing so.


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snowbird accidents