Frustrated man leans against a wall after an accident has changed his life.

What to do after an accident?

Dealing with an accident and its aftermath can be overwhelming. It’s crucial to take the right steps to protect yourself and your rights. Here are some essential tips to guide you through the process:

1. Inform Your Family Doctor of Your Injuries

Seek medical attention promptly and inform your family doctor about your injuries. Documenting your injuries and receiving appropriate treatment is vital for your health and potential legal claims.

2. Call a Lawyer for a Free Meeting

Reach out to a knowledgeable lawyer for a free consultation. Understanding your rights, obligations, and options is crucial to making informed decisions. A lawyer can guide you through the legal process and help protect your interests.

3. Report the Accident to Your Insurance Company

Notify your insurance company about the accident promptly. Request the necessary accident benefits forms to initiate the claims process.

Insurance claim forms
Complete and submit all required accident benefits forms to your insurance company. Make sure to keep copies for your records.

4. Fill Out and Send Accident Benefits Forms

Complete and submit all required accident benefits forms to your insurance company. Make sure to keep copies for your records. The specific Accident Benefits Forms may vary slightly depending on the province or territory where the accident occurred, but they generally include the following main forms:

  1. Automobile Accident Benefits Proof of Claim: This form serves as your formal application for accident benefits. It includes details about the accident, the injuries sustained, and the benefits you are seeking.
  2. Employer’s Confirmation of Income: This form is used to verify your pre-accident income if you are claiming income replacement benefits due to being unable to work because of your injuries.
  3. Attending Physician’s Form: This form is completed by your treating physician and provides information about your medical condition, treatment plan, and prognosis.

These forms help your insurance company assess the extent of your injuries and the benefits you are eligible to receive, which may include:

  • Income Replacement Benefits: For those unable to work due to accident-related injuries.
  • Medical and Rehabilitation Benefits: To cover necessary medical treatment and therapy.
  • Attendant Care Benefits: For personal care assistance if you are unable to care for yourself.
  • Non-Earner Benefits: For individuals who do not qualify for income replacement but still suffer from severe impairments.
  • Caregiver Benefits: For caregivers who need to care for dependents injured in the accident.
  • Death and Funeral Benefits: In the unfortunate event of a fatality, benefits are available to the deceased person’s family.

5. Do Not Speak or Meet with Insurance Adjusters

Avoid speaking with insurance adjusters or claim investigators until you have consulted with a lawyer. Your lawyer will handle communications with insurance companies on your behalf.

6. Notify Your Employer or School if Off of Work

If you need time off work due to the accident, inform your employer or school promptly. Keeping them updated about your situation is essential for both legal and employment purposes.

7. Claim EI Sick Benefits if Off Work for Over Two Weeks

If your injuries prevent you from working for more than two weeks, contact Employment Insurance (EI) to apply for sick benefits. Call Service Canada Toll-Free: 1-800-206-7218.

8. Document Injuries with Photographs

Take pictures of your injuries to create a visual record of their severity and progression.

Girl on a couch with a broken leg talking to her physician.
Take pictures of your injuries to create a visual record of them.

9. Document Vehicle Damage and Other Involved Vehicles

Capture images of the damage to your vehicle and any other involved vehicles. These photographs can be valuable evidence for your claim.

10. Record Health Care Professionals’ Information

Keep a record of the names and contact information of the healthcare professionals involved in your treatment.

11. Record Family Care-giving Time

Family members caring for the injured person should record the dates and times spent providing care. This information can be important for potential claims.

12. Check for Additional Insurance Coverage

Investigate whether you have additional insurance coverage, such as long-term and short-term disability insurance through your work, school, or private plans.

14. Track Expenses and Keep Receipts

Maintain a detailed record of all expenses related to the accident, including medical bills, transportation costs, and any other relevant expenses. Keep copies of all receipts.

15. Follow Doctor’s Recommendations and Seek Rehabilitation

Comply with your doctors’ advice and follow their treatment plans. Seeking rehabilitation as soon as possible can aid in your recovery and potential legal claims.

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