Maureen McCartney-Cameron

June 5, 2019

  • They are automatic, and are provided by your own insurer or, if you were a passenger or pedestrian, by the insurer of the automobile involved
  • They may cover all necessary medical, surgical, chiropractic, dental, hospital, psychological, physical therapy, occupational therapy, massage therapy, acupuncture, professional nursing and ambulance services
  • They also cover lost income, up to a maximum of $400/week, as well as payments to the surviving beneficiaries of one who is killed in an accident (for bereavement, funeral and grief counselling expenses)
  • They are available, absent extraordinary circumstances, to a maximum of $50,000, for two years following an accident
  • You may have a duty to maximize these benefits in order to be eligible to claim additional treatment costs and lost income from the insurer of the at-fault driver