How is compensation paid by the Insurance Company?


After you have successfully made a claim against an at-fault driver, the insurance company will compensate you. The insurance company has the right to pay your injury claim as a one-time payment (lump sum). This payment includes compensation for things that will happen in the future (i.e. future pain and suffering, future expenses, etc).

The prognosis

This means that, in order to receive full compensation, you need to be able to predict how your injury will affect you in the future. This is called the prognosis, and it is provided by doctors and other professionals. You need to know your prognosis to ensure your insurance settlement covers your future expenses. With most serious injuries, doctors won’t give you a final prognosis until 24 months after a serious injury. Once you have this final prognosis, you are in a position to address your claim and sue for full compensation from an insurance company.

Most accident victims who make a claim will have to file a lawsuit to get fair compensation. Almost all lawsuits are settled without going to court, but about 5% of cases go to trial.

How do I proceed with a claim?

You should retain a lawyer who specializes in personal injury litigation and ensure your lawsuit is filed within the accident claim deadlines in your province. You can get a free legal consultation to explore your legal options.

What can I claim?

The general rule of compensation is that you are supposed to be no worse off than if the injury or accident never happened. As such, you can claim compensation for the following:

  • Pain and suffering
  • Loss of quality of life
  • Loss of past and future income and ability to earn income
  • Health care expenses
  • Housekeeping and home maintenance expenses
  • The effect of the accident on your family relationships
  • Loss of future earning capacity and your loss of competitiveness in the workforce

The injury claim process

The injury claim process begins by notifying the insurance company that you intend to make a claim.

The insurance company will want information, but it is important that you not provide statements or sign any forms until you speak with a lawyer. Any information you give the insurance company can be used against you when you make a claim. It’s important to gather evidence to support your claim. This can include photos, written statements from witnesses, police records, medical records, and written reports from your doctor and other experts needed to prove your claim.

Remember to act quickly. Each province has deadlines for when a person must file a lawsuit. If you miss these deadlines, you may lose your right to compensation.

Cantini Law I Droit has been helping clients who have suffered injuries from car accidents for over 29 years. Our dedicated team will provide the expert support you can count on throughout your claim. Contact Us today for your free consultation.

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