The following information provides definitions for various terminology you may be exposed to if you or someone you know is involved in a personal injury accident.
Catastrophic Injury: The Ontario government defines the compensation and terms that deem a catastrophic injury. A personal injury lawyer from Caprara Barristers will fight on your behalf to secure the maximum compensation to which you are entitled.
No-Fault Insurance: If you are injured in an accident or your vehicle is damaged, then you deal with your own insurance company when making a claim, regardless of who is at-fault for causing the accident. By going through your own insurer, you get the financial help you need right away — whether it’s for injuries you sustained or for fixing your damaged vehicle — instead of waiting for your insurer and the other driver’s insurer to decide who was to blame for the incident before paying out benefits.
Personal Injury: A legal term for an injury to the body, mind or emotions, as opposed to an injury to property. The term is most commonly used to refer to a type of lawsuit alleging that the plaintiff’s injury has been caused by the negligence of another.
Accident Benefits: Benefits that are payable by an injured person’s own insurance company pursuant to the provisions of a policy of motor vehicle insurance. An injured person’s entitlement to accident benefits does not depend upon whether or not the injured person was “at-fault” for the accident; consequently these benefits are often referred to as “no-fault” benefits.
Financial Services Commission of Ontario (FSCO): A regulatory agency of the Ministry of Finance that regulates insurance, pension plans, loan and trust companies, credit unions, caisses populaires, mortgage brokering and co-operative corporations in Ontario.
Tort Claim/Law: A tort, in common law jurisdictions, is a civil wrong. Tort law deals with situations where a person’s behaviour has unfairly caused someone else to suffer loss or harm. A tort is not necessarily an illegal act but one that causes harm and therefore the law allows anyone who is harmed to recover his or her loss.
People to Know
The following is a list of professionals who will work to assist and guide you through the recovery process.
Occupational Therapist
Health professional that helps people learn to deal with life after an injury. He/she will help you return to home and work life by improving or helping you learn new ways of performing daily tasks.
Vocational Rehabilitation Professional
A skilled professional who is dedicated to delivering comprehensive services that transition individuals with impaired work capacity to a suitable and satisfying outcome.
Physiotherapist
Tests and prescribes appropriate physical activities to restore strength, flexibility and abilities to patients affected by injury.
Social Worker
Providing counselling and support, social workers can help with both emotional and practical issues you may face after a serious accident.
Psychologist/Family Counsellor
Assists you and your family in coping with the psychological and emotional effects of your injuries.
