If you have been hurt – either in an accident or due to someone else’s negligence – you may find yourself wondering if your situation needs a personal injury lawyer or if it’s even worth it to go through that process. There may be times that you don’t need a personal injury lawyer, but how would you determine that? Below are instances in which you may need a personal injury lawyer for your case.
If your claim is denied
You may have opened a claim with your auto insurance company for accident benefits. There are mandatory benefits your insurance company must provide you with – it’s the law in Ontario – pending that you have paid your premiums.
If your insurance company is denying your claim for benefits then you need to contact a lawyer. An insurance company may deny your claim based on the findings of the insurer examination. A lawyer will review your claim and all its details to help you appeal the denial. The appeal will be made to the Financial Services Regulatory Authority of Ontario.
If you have significant medical injuries
When you have been in an accident with significant injuries – either to you and to another person – a lawyer needs to be contacted. It is especially important to do this if the injuries exceed what is available through the Ontario Health Insurance Plan (OHIP). Anytime you need to pay out of pocket for your medical expenses, you should contact a lawyer.
In this case, a personal injury lawyer can help you get the appropriate compensation to cover your bills, and any personal pain and suffering you might experience. This can be especially helpful for making sure that your accident is categorized appropriately. For example – a catastrophic accident may pay out $1 million but a more minor injury may only cover a couple thousand in a pay-out. Insurance companies are going to try and make sure they don’t pay out more than they have to, so talking to an experienced lawyer will ensure your accident is properly addressed.
If the pay-out amount is too low
As mentioned, an insurance company is going to try and pay out the least amount of money possible. The insurance company may approach you with an offer, but it might not even cover all your medical expenses or the time you had to take off work to recover. If you aren’t sure about accepting a pay-out amount, then you should seek advice from a lawyer.
A lawyer will review the details of your specific situation and make sure that the pay-out amount you’re being offered is fair for what happened in your accident.
If you don’t even know if you need compensation
You might believe that your case doesn’t warrant any kind of compensation, but that might not be true. Allowing a lawyer to review your accident case might be the best thing you could do – you might be able to pursue compensation and you don’t even know it.
Let our experienced team of personal injury lawyers in Mississauga/the GTA review your case and see if we can help you with getting the compensation you deserve.
Minhas Lawyers LLP is a multi-practice law firm based in Mississauga. We advise and represent clients across various segments and practice areas.
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