No-Fault Claims

Even if you are at fault for an accident, you might be entitled to accident benefits from your insurance company. These are usually referred to as no-fault benefits. 

Harris Law can help you with your application for no-fault benefits and represent you if you have a dispute with your insurance company.

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    There are different types of benefits that you may be able to access to help you with your recovery.

    These benefits can help with medical treatments and loss of income, among other things. 

    Here are a few examples.

    Income Replacement Benefits:

    If you were employed at the time of your accident, or employed for at least 26 of the last 52 weeks, or on maternity leave, these benefits may be available to replace part of the income you would have earned if you had been able to work.

    Medical or Rehabilitation Benefits:

    These are available to cover medical treatments that are not covered by OHIP, such as physiotherapy, psychological therapy, chiropractic treatment, massage therapy, and much more.  The treatment, services and devices that can be made available are likely much greater than you imagine, and unlike your insurer, we will help you explore all of the possibilities that may be available to assist you in your recovery.

    Non-Earner Benefits:
    If you were not working at the time of your accident, you may qualify for non-earner benefits.


    Your insurer may try to place you in the Minor Injury Guideline (M.I.G.), unfairly or improperly.  We have a reputation for working tenaciously to remove our clients from the M.I.G..

    If your injuries are exceptionally severe, you may be entitled to benefits under the Catastrophic designation.  These claims are rare, but we have ample experience in helping our clients with Catastrophic or near-Catastrophic injuries.

    Contact us immediately for more information, or to meet with a lawyer to discuss your claim.