Being involved in a car accident can be overwhelming, especially when you’re faced with medical bills and the uncertainty of who will pay for them. In Ontario, there are systems in place to help cover your healthcare costs after a car accident, but knowing how to navigate these systems is crucial. Here’s a breakdown of what you need to know about healthcare expenses after a car accident in Ontario.
Who Pays for My Medical Bills?
In Ontario, we have a no-fault insurance system. This means your own insurance company will cover your medical bills, no matter who was at fault for the accident. This is called “accident benefits,” and it includes coverage for medical and rehabilitation expenses like physiotherapy, massage, chiropractic care, and even home modifications if necessary.
While your insurance covers many of these costs, there are limits, and not everything may be fully covered. If your injuries are severe, you might need to take further steps to ensure you cover your additional expenses.
What Healthcare Expenses Are Covered?
1. Medical Expenses: These include hospital bills, physiotherapy, chiropractic care, massage therapy, and any other treatments required due to your accident.
2. Attendant Care: If your injuries make it difficult for you to care for yourself, you can claim the cost of hiring someone to help you.
3. Housekeeping and Home Maintenance: If you are unable to keep up with your home, you can claim for help with household chores.
4. Assistive Devices: Items like canes, walkers, or even modifications to your home, such as ramps or stairlifts, may be covered.
5. Prescription Medications: The cost of medications you need to help manage issues related to your injuries can be claimed.
6. Future Medical Expenses: If your injuries require ongoing treatment or care, you can also claim for future medical costs, as part of the full and final settlement of your accident benefits claim.
What If My Insurance Doesn’t Cover Everything?
If your medical expenses exceed what your insurance covers, you may have the right to pursue a claim against the at-fault driver. This can include suing for pain and suffering, loss of income, and any uncovered medical expenses.
How Can Zuber Brioux Personal Injury Lawyers Help?
At Zuber Brioux Personal Injury Lawyers, we know how stressful dealing with insurance companies can be after an accident. Our team is experienced in handling personal injury claims and can help you get the compensation you deserve. We’ll work to ensure your medical expenses are fully covered, and we’ll fight for any additional compensation you may need for future care, lost income, or pain and suffering.
If you or a loved one has been injured in a car accident, don’t hesitate to reach out. Our goal is to make the process as smooth as possible, so you can focus on your recovery while we handle the rest.
Contact Zuber Brioux Personal Injury Lawyers today for a free consultation and let us help you get the financial support you need during this challenging time.