2 people injured in multi-vehicle collision in Scarborough

A man suffered critical injuries following a two-vehicle crash in Scarborough on Sunday.

Police say two vehicles collided in the Sheppard Avenue East and Kennedy Road area just before 3:30 p.m. The force of the crash sent one of the vehicles into a bus shelter.

Paramedics say one man was taken to hospital in life-threatening condition.

The cause of the crash is not known at this time.

Steps to Apply for Accident Benefits in Ontario

Step 1: Notify Your Insurance Company

The first step in applying for accident benefits is notifying your insurance company about the accident. This must be done within seven days of the accident, or as soon as possible if you're unable to do so within the timeframe due to injury or hospitalization. Contact your insurance broker or agent to report the accident, and they will guide you on how to proceed.

Be ready to provide the following information:

• Date, time, and location of the accident.
• Details of the vehicles involved.
• Names and contact information of any passengers or witnesses.
• A description of the accident and any injuries sustained. 

Step 2: Complete the Accident Benefits Package

Once you’ve notified your insurer, they will send you an accident benefits package. This package contains several forms that must be completed to start your claim:

• Application for Accident Benefits (OCF-1): This form serves as your initial application and provides basic information about the accident and your injuries.
• Employer’s Confirmation Form (OCF-2): If you’re claiming income replacement benefits, this form is to be completed by your employer to confirm your employment status and earnings at the time of the accident.
• Disability Certificate (OCF-3): Your doctor or healthcare provider must complete this form to confirm the nature and extent of your injuries and how they affect your ability to work or perform daily activities.
• Treatment and Assessment Plan (OCF-18): If you require medical treatments or rehabilitation services, your healthcare provider will submit this form to your insurance company for approval.

It’s crucial to fill out all forms accurately and in full. Missing or incorrect information can delay your claim.

Step 3: Submit Your Application

Submit the completed forms to your insurance company within 30 days of receiving them. Keep copies of all forms and documents for your records. If you need help filling out the forms, consider seeking assistance from a lawyer, paralegal, or health professional experienced in accident benefit claims.

Step 4: Medical Examination

Your insurance company may request an independent medical examination to assess the extent of your injuries and your need for ongoing benefits. Ontario law requires that your insurance company provide you with sufficient notice and purpose of the medical examination. Failure to attend may result in your insurance company suspending your benefits. 

Step 5: Follow Up on Your Claim

After you submit your application, stay in touch with your insurance company to ensure your claim is being processed. If they require additional information or documentation, provide it promptly to avoid delays. It may take some time for your claim to be approved, but staying proactive will help ensure the process moves along smoothly.

Common Challenges and How to Overcome Them

Applying for accident benefits can be a complex process, and several challenges may arise. Here are some common issues and how to address them:

• Delays in Processing: Insurance companies may take longer than expected to process your claim. If this happens, follow up regularly, and if necessary, seek legal assistance to ensure your rights are being respected.
• Denied Claims: Insurance companies may deny certain claims due to lack of documentation or disputes over the severity of injuries. If your claim is denied, you have the right to appeal the decision. Consider working with a lawyer who specializes in personal injury cases to strengthen your case.
• Insufficient Benefits: If you believe the benefits offered do not adequately cover your losses, you can negotiate with the insurer or seek additional medical evaluations to support your claim.

When to Seek Legal Help

In some cases, the application process can become overwhelming or complicated, particularly if you’re dealing with serious injuries or denied claims. Seeking legal help from a personal injury lawyer in Toronto or a firm specializing in accident benefits can be beneficial. Our lawyers can:

• Help you gather the necessary documentation and medical reports.
• Ensure that all deadlines are met.
• Negotiate with the insurance company on your behalf.
• Represent you if your case goes to court or requires arbitration.
  • Always remember to ask your lawyer for a trial report card. Insurance companies know which lawyers go to trial and which do not. We have a reputation of trial lawyers in Ontario so rest assured that your rights will be protected. 

Our Accident Benefit lawyers in Toronto understand the nuances of Ontario’s accident benefits system and can maximize the compensation you receive.