Prioritizing Coverage of Car Accidents In Ontario

All residents of Ontario that become accident victims, following a car collision, can expect the requested level of coverage. Yet those same residents may have questions, regarding which insurance company to contact.

The accident victim’s basic role

That victim can seek monetary assistance from any insurance company that has promised coverage. Insurance companies promise such coverage to those that have purchased one of the company’s policies. The victim does not have to prioritize any one company. Each contacted company must seek out information on any other policies purchased by the same policy holder.

A situation where there is an essential priority

A resident of Ontario that has been involved in a motor vehicle accident does know that he or she has the right to seek MVA insurance accident benefits. Still, the government expects any injured resident to assess the specifics of his or her extended health benefits, before seeking those MVA insurance benefits.

Priorities enforced on some employers’ policies

Some policies have an exclusion rule. Even some of the extended health and disability policies have such a rule. That rule can be used to place a limit on the nature and extent of the offered health and disability coverage. For instance, it could be stated that such coverage would not be extended to those that were injured in a motor vehicle accident.

Sometimes, an employer’s policy includes that provision, according to Personal Injury Lawyer in Kitchener. Employers realize that those workers that have purchased car insurance do not need some form of health coverage, if their car happens to collide with another vehicle. Hence, an employer has no reason to place a priority on delivery of medical care to an employee that was injured while driving for pleasure, or in order to get to work.

If an employee drives a vehicle as part of his or her job responsibilities, and if that same worker gets into an accident during working hours, the employer would have different priorities. He or she would be expected to compensate the injured worker, as stated in the Workers’ Compensation Benefits program.

Still, not every employer would be expected to acknowledge such a priority. Any employers that had failed to pay into the Workers’ Compensation Program would not have the same priority. Still, those employers would have to get in touch with the provider of the company’s car insurance.

In other words, any employer does have to put some priority on the need to help an injured employee. In order to display a consideration for that priority, the employer can either work with the Workers’ Compensation Program or work with the company that made a promise. It promised to cover those employees that became involved in an accident while driving the company vehicle.