| Canadian automobile insurance regimes are | | | | their place of work, post-accident earnings will be |
| intricate. People generally do not consider the | | | | deducted from their loss of income claim. |
| details of their vehicle insurance policy until they | | | | Close family members and spouses of injured |
| are involved in an accident. Benefits that are | | | | motorists are also entitled to sue in tort for |
| available to the member and their legal obligations | | | | certain losses incurred resulting from a vehicle |
| will fundamentally depend on the merits of each | | | | accident, as governed by the Canadian Family |
| case. A personal injury attorney who will be able | | | | Law Act. Losses incurred could include losses of |
| to assess the case and provide the best possible | | | | guidance, care and companionship, which the |
| options can make an assessment of each case. | | | | injured spouse is now unable to provide. |
| Some provincial governments in Canada have | | | | Third party vehicle insurance policies cover the |
| attempted to allow injured people to be | | | | member if an under-insured, uninsured or |
| reimbursed for any economical losses sustained in | | | | unidentified motorist caused the accident. |
| an accident, irrespective of which motorist has | | | | Many motorists injured in accidents don't realize |
| caused the collision. No-fault benefits or accident | | | | that they are entitled to sue in tort, therefore it is |
| benefits are governed by the Insurance Act and | | | | suggested that they see a legal advisor at their |
| are available from most Canadian vehicle insurance | | | | earliest convenience to be able to make an |
| policies. | | | | informed decision regarding their legal rights. This |
| Medical and rehabilitation expenses, nursing care, | | | | should be done timorously in order to avoid |
| housekeeping expenses and income replacement | | | | deadlines and notice periods being missed Many |
| benefits are available under standard Canadian | | | | reputable attorneys will offer this consultation to |
| vehicle insurance policies. | | | | motorists at no charge. |
| Canadian insurers are required to inform | | | | Vehicle insurance policies in Canada differ from |
| policyholders of their right to add "optional | | | | province to province. Certain types of vehicle |
| benefits" to their basic or standard packages. This | | | | insurance policies that are mandatory in one |
| will provide injured vehicle insurance policy holders | | | | province may not be mandatory in other |
| with added benefits in case of an accident. | | | | provinces. |
| An Application for Accident Benefits must be | | | | For instance, Quebec has a Provincial Fund which |
| completed and submitted it to the vehicle | | | | provides payments for medical care instead of |
| insurance policy provider as soon after an | | | | Personal Injury Claims as well as fixed amount |
| accident as possible and medical evidence is | | | | payments for Loss of earnings as well as pain and |
| required to prove the extent of injuries sustained | | | | suffering. |
| in order to claim accident benefits. | | | | Other types of vehicle insurance policies that |
| Injured motorists in Canada may sue for loss of | | | | Canadians can opt for include collision coverage |
| earnings and other expenses incurred resulting | | | | and third party vehicle insurance policies. |
| from a motor vehicle accident. Under Canada's | | | | In order to ensure that your vehicle insurance |
| Insurance Act, injured motorists are entitled to 80 | | | | policy pays, report the accident to the insurance |
| percent of the net income after-tax lost up to | | | | company straight away. The accident also has to |
| the date of the trial, and 100 percent of lost | | | | be reported to the police. Insurance claims must |
| gross future income after the trial. However, | | | | be filed within 90 days of the accident. |
| should the injured individual be able to return to | | | | |