Statutory Accident Benefits (SABS) in Ontario provide essential financial support to individuals injured in motor vehicle accidents, regardless of who was at fault. They ensure that those affected by incidents or collisions can focus on their recovery without the immediate burden of financial hardship. Whether you’re a driver, passenger, cyclist, or pedestrian, SABS can offer you protection.
At Goodman Elbassiouni LLP, our Ontario motor vehicle accident lawyers can help you if you have been involved in a car accident. From understanding what Statutory Accident Benefits you can receive to beginning the application process, we can help you navigate your rights every step of the way. To schedule a free case assessment, contact our team today.
What is the Statutory Accident Benefits Schedule in Ontario?
Statutory Accident Benefits are mandated under the Ontario Insurance Act. When you are injured in a motor vehicle accident, they help cover expenses related to medical treatment, rehabilitation, income replacement, caregiving, and other necessary support. Statutory accident benefits cover any party involved in an accident, regardless of their level of fault.
Some types of benefits offered and covered under SABS include:
- Medical & Rehabilitation Benefits: These cover the costs of medical treatments, rehabilitation services, and other necessary care not covered by the Ontario Health Insurance Plan (OHIP). These types of benefits might include physical therapy, psychological counselling, or other health services essential for your recovery.
- Income Replacement Benefits (IRB): If you’re unable to work due to your injuries, this benefit provides partial compensation for your lost wages. It can cover up to 70% of your gross income, up to a certain maximum (as of 2024, $400 per week unless you have purchased additional coverage).
- Non-Earner Benefits: If you were not employed at the time of the accident and are unable to carry on your normal life due to your injuries, you may qualify for non-earner benefits. These benefits are typically intended for individuals such as students or retirees.
- Attendant Care & Home Maintenance Benefits: If you must hire an aide or attendant to assist with your personal care or help you maintain your household, you may do so through SABS. The schedule provides financial support for those in need of assistance who have been severely or catastrophically injured.
- Funeral & Death Benefits: In the event of a fatal accident, these benefits provide financial assistance for funeral costs and offer a lump sum payment to the deceased’s dependents.
- And Other Expenses… SABS can also cover additional costs, such as transportation to medical appointments, the cost of assistive devices like wheelchairs, and more.
These benefits aim to alleviate the financial burden associated with accidents, ensuring that injured parties can access necessary care and support. Understanding what SABS provides and how to access these benefits is key to managing the aftermath of an accident in Ontario.
How Do I Qualify for and Access Statutory Accident Benefits?
SABS offers a broad and comprehensive range of protection. To qualify for Statutory Accident Benefits in Ontario, you must be involved in a motor vehicle accident, regardless of fault. Even if you are a non-resident involved in an accident in Ontario or an Ontario resident involved in an accident outside of the province, you may still be eligible for SABS under certain conditions. Importantly, individuals may also choose to purchase optional coverage to increase the limits of some benefits under SABS.
You may qualify for SABS if you were involved in a motor vehicle accident as a:
- Driver
- Passenger
- Pedestrian
- Cyclist
- Motorcyclist
- Family member of a deceased individual
- Uninsured victim
- Non-resident of Ontario
- And more
Accessing SABS requires following a formal process. This normally involves, but is not limited to:
- Reporting the accident
- Submitting an application for Accident Benefits
- Providing medical documentation
- Filing your application within the designated timeframe
- Obtaining your insurer’s assessment
- Receiving your payments and support
By following appropriate steps and understanding the qualifications for SABS, individuals injured in motor vehicle accidents in Ontario can access the financial support they need to recover. Navigating the various types of benefits available and your eligibility can be complicated. It is always advisable that you speak with a car accident or personal injury lawyer before undertaking the SABS application process.
How Can a Lawyer Help Me With Statutory Accident Benefits?
A lawyer can be a valuable asset when navigating the Statutory Accident Benefits Schedule in Ontario, especially if the claim process becomes complicated or disputed. While the system is designed to be accessible, many people find it challenging to understand the rules, gather the necessary documentation, and manage negotiations with their insurance provider.
An accident lawyer can assist you with:
- Understanding Your Eligibility and Benefits: A legal professional can help you clearly understand what types of benefits you are entitled to under SABS. Applying for the full range of available benefits can be difficult, depending on your specific case. A lawyer can review your case, explain your entitlements, and guide you through the process.
- Filing a Complete & Accurate Claim: Filing a SABS claim involves filling out multiple forms and providing supporting documents, including medical evidence. An experienced lawyer ensures that all necessary paperwork is completed accurately and submitted within mandatory timeframes.
- Disputing Denied Claims: Insurance companies can deny SABS claims for various reasons, including insufficient evidence of injury, failure to meet deadlines, or disagreements about the severity of your injuries. If your benefits are denied or reduced, a lawyer can help appeal.
An experienced personal injury lawyer can help make the SABS claim process smoother, protect your rights, and help ensure that you receive the full compensation you’re entitled to. From filing your initial claim to representing you in disputes, having legal assistance can help you feel more confident while navigating your case. To get in touch with an experienced car accident lawyer, contact our team at Goodman Elbassiouni LLP today for a free case assessment.
Have Questions About Statutory Accident Benefits You’re Entitled To? Contact Our Ontario Car Accident Lawyers Today
When you’re involved in a car accident, you should not have to navigate the aftermath alone. Adhering to government regulations and understanding your legal rights can be complicated, especially if you have been seriously injured or hurt.
At Goodman Elbassiouni LLP, our experienced car accident lawyers can help you handle the claims process every step of the way. Whether you are a driver, passenger, or pedestrian, our team is ready to help. For a free case assessment and to learn more about your legal options, call or contact us online today.
