Even though laws requiring auto insurance can be strict, not every driver follows them. If you have been in a motor vehicle accident with an uninsured or underinsured motorist, you may have more options than you realize. Before you settle with any insurance company, contact our firm to learn about your legal rights and options.
Legal Help for Car Accident Victims
Whether you were injured in a car accident, truck accident, SUV rollover or any other type of motor vehicle accident, you owe it to yourself to discuss your case with an experienced personal injury lawyer.
At Reybroek Barristers, we have a reputation for achieving positive results for people injured in vehicle accidents in Toronto and throughout Ontario. To learn more about the legal aspects of car accidents, please review the general information below. To arrange a free consultation with a member of our firm, please contact us by e-mail or call toll free
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Obtaining compensation or accident benefits after a car accident can be extremely challenging. The insurance companies want to pay you as little as possible or nothing at all. We know what is fair and will not recommend that you settle for anything less.
Our personal injury lawyers serve as a buffer between you and the insurance companies. We will take care of the legal aspects of your case so that you can focus on recovering from your injuries. To learn more about how we can help, please contact us to arrange a free initial consultation. Call toll free
No-Fault Insurance
When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much and for how long the injured party may collect. Consult with an attorney from Reybroek Barristers in Toronto, 3200 Dufferin Street, Suite 210, to discuss how your state views fault and to determine how the laws may affect your right to recover damages for injuries.
How No-Fault Insurance Works
No-fault insurance is a system in which auto insurance pays benefits the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver’s insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.
The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.
The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.
Personal Injury Protection (PIP)
If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.
Speak with an Attorney
How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with an attorney from Reybroek Barristers in Toronto, 3200 Dufferin Street, Suite 210, will help to clear up the confusion these systems can cause.
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