When you suffer any catastrophic injuries in car accident, your family would contact injury lawyer in Sault Ste. Marie. After such a happening, there is complete change in your lifestyle and life in general, as you knew prior to the experiment. This makes a person unable to function in an independent manner in their daily activities, social interactions, and at work. The Insurance Act establishes legal definition related to catastrophic impairment. This is for purposes of Statutory Accident Benefit (SAB) eligibility under car collision no fault insurance policy. According to injury lawyer in Sault Ste. Marie catastrophic impairment might involve the following.
• Significant vision loss in both the eyes
• Brain traumatic injury meeting specific severity levels
• Amputation or severe impairment of a leg or an arm
• Impairment combination including behavioural and mental impairment
• Severe spinal cord damage resulting in quadriplegia or paraplegia
No-fault insurance and accident benefits
Any person suffering from catastrophic impairment experiences significant expenses and losses. The injured person meeting catastrophic impairment criteria would receive maximum benefits as per your auto insurance policy. There is a limit to what you can get for combined attendant care, rehabilitation, and medical expenses. In case your policy has the optional coverage related to catastrophic injury, there would be doubling of the amounts that you can get through claims. You become entitled to accident statutory benefits under the policy irrespective of the at fault party in collision.
Injury lawyer in Sault Ste. Marie wants you to know that besides the attendant care, rehabilitation, and medical benefits those unable to go to their regular job can claim income replacement. Such benefits cover maximum 70% of the gross income. Other than that, the accident victims can get benefits under SAB. This includes caregiver benefit, expenses of lost education, damaged property, examination cost, home maintenance, housekeeping, and non-earner benefits. Such expenses remain subjected to allowable maximum benefit.
Claiming losses in civil action from at-fault party
People injured seriously in motorcar accident due to negligent driver can file civil lawsuit against the party at fault. Such an option allows injured party to claim damages not available through insurance no fault benefits. This includes non-pecuniary damages related to suffering, pain, and enjoyment loss in life. People injured catastrophically by negligent driver would seek damages related to full loss amount in civil suit. Like everything else there are limitations guiding the amounts you can get.
Persons with severe injuries to the spinal cord like the paraplegic would get compensation for damages related to attendant care and rehabilitation. In typical situations, such people also need to undergo spinal surgery, extensive rehabilitation, and trauma care. According to injury lawyer in Sault Ste. Marie the rehabilitation treatments include occupational, mental, and physical therapy. For more information visit Our Website