Personal injury lawyer in Ottawa deals regularly with people having no car insurance or an inadequate cover. This makes repayments difficult for the parties involved. The law requires you to have vehicle insurance as mandatory. In spite of that, many fail to follow suit. It is important to know about the types of insurance requirement for every person when you are driving a vehicle. Whatever insurance policy you purchase, it should contain minimal benefits and coverage.

Minimum coverage

This includes accident benefits and third-party liabilities according to your injury lawyer in Ottawa. Concerned drivers go for enhanced policies with increased benefits and coverage. When you find yourself the victim of car collisions, take time to understand what the extra coverage includes. You need to enquire the same from the defendant side.

Through the accident benefits, you can recoup parts of financial expenses due to medical bills, lost workdays and more. The party at fault does not matter in such cases. This can take the following forms.

•    Rehabilitation and medical expenses: this will cover medical services, diagnostic tests, chiropractic services, acupuncture service, dental service, psychological therapy, nursing service. This might also cover ambulatory/hospital services, occupational therapy, physical therapy, and massage therapy among others.

•    Grief counseling/funeral expenses: accident benefits also cover this according to your personal injury lawyer in Ottawa.

•    Income replacement: people employed when being involved in car accident are eligible for this benefit. This will be valid when you were in employment for six months within the period of 12 months prior to the accident. On an average, this pays 80% of weekly gross wages up to a certain limit. In case of total disability, the amounts will increase. Wait for one week before the release of funds. Non-earner benefit is also available for people not employed when the accident happened.

•    Death benefits: the amounts you get through this will depend upon the household position of the deceased person as well as the related age. This benefit increases when an independent adult partner, or spouse, or dependent surviving relative is living under the same roof. The household head is someone having the largest annual earnings, in the year prior to dying. Dependent relative according to injury lawyer in Ottawa is anyone below the age of 18 depending upon the head or spouse for support.

Third-party liabilities

Make the most of this cover when the car you drive is involved in accidents. You might be the driver or someone else whom you gave permission might be driving. Here the insurance company pays for the damages to the victims. This can be a part of the lawsuit or settlement out of court. The money they will pay depends upon specific policy limits as per personal injury lawyer in Ottawa. Most of the lawyers charge on a contingency basis so the percentage of payment is fixed before commencing the process.