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Depending on the nature of a given accident, an injured victim might be able to seek compensation from more than one insurance company. Indeed, all such victims are allowed to seek compensation from any insurance company that will agree to cover that same unfortunate man or woman.
In Canada, the victim of a defective product enjoys the ability to consider a wide range of possible insurance companies. Such victims have been known to seek compensation from the manufacturer of the product, from the seller, from the distributor and even from a company that supplied some of the materials used in making that same product.
The victim of a falling incident does not have to sue the property owner. The fall could have been caused by some defect in a protective barrier, in the door on a business or restaurant or even in the flooring materials. The defense lawyer may suggest that there was a defect in the plaintiff’s footwear.
What sources of funds are available to the victim of a collision between two or more motored vehicles?
Canadian law mandates that the victim must seek coverage from any health insurance before requesting help from the available MVA benefits. In Canada, all citizens have ready access to coverage for medical problems. Only if an accident injury creates costs that exceed the limit of that health coverage can the victim go after the MVA insurance accident benefits.
Certain forms must be completed, in order to seek the MVA insurance accident benefits. In addition, those forms need to be submitted to the proper agencies. Most of the licensed clinics in Canada can offer help with the completion of forms and submission of the necessary documents.
An update on some of the newer health and disability policies
Some of the companies that issued such policies have chosen to exclude delivery of benefits to those policy holders with car accident injuries. Canadians that plan to seek a supplemental health insurance should ask about the possible existence of a system for excluding certain injured policy holders. Limits on the amount of coverage would not matter, since the MVA’s coverage would be used to fill the gap created by any such limits.
Considering a special case
If a pedestrian were hit by a motorist, his or her health insurance could pay for the resulting medical expenses. Yet, unless that same pedestrian owned a car, he or she could not make any use of the MVA insurance benefits. What could such an individual do if the money available from the health insurance were exceeded? He or she might find it necessary to seek funds from a different insurance company, such as one selling home insurance. However, trying to maneuver through the legal system might be difficult and that is why it helps to have a good personal injury lawyer in Stouffville in winning the claim.