The Statutory Accident Benefits Schedule (SABS) is a regulation made under the Insurance Act. This regulation provides specific benefits to qualified victims of accidents. If you qualify for benefits, they will be determined by the nature and extent of your injuries and the impact the injuries will have on your life.
Insurance companies create obstacles to claiming your benefits, often trying to deny, or reduce the amount of damages awarded you, or reduce the time period over which they will be paid to you. For this reason, you need a lawyer experienced in dealing with insurance companies. Their experience and expertise can cut through the red tape to win you the damage award you need to pay for the care, treatment and replace income that was lost due to an accident.
The no-fault insurance laws cause a little confusion, because the insurance companies will determine the degree of fault each driver contributed to the accident. This is completely independent of the police officer’s determination of fault, who may determine that an accident was unavoidable by either driver.
The Fault Determination Rules, which describe more than 40 accident situations with diagrams and scenarios, are used to most closely describe each accident. Factors such as weather, visibility, pedestrian actions or other circumstances are not taken into consideration. If none of the scenarios describe your accident, then the ordinary rules of negligence law will prevail.
If you have suffered injuries as a result of an accident you will need the expertise of lawyers experienced in investigating accident claims, and working with insurance companies to help you obtain benefits sufficient to cover your losses. The
Findlay Law Offices in Hamilton, Ontario have the experience you need.
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