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Car Accidents Involving Uninsured Drivers in North York

North York as well as all cities across Canada, require that every car driven on a public road be insured. But, often times, car accidents occur where the at-fault driver either had no valid insurance or minimal insurance coverage. Fortunately, for the injured victim, there is usually compensation available and a qualified personal injury lawyer in North York can help accident victims with their legal rights.

Legal Action for Victims of Uninsured Driving Accidents

Ontario's Insurance Act has a set of priority rules in place to determine which insurance company is responsible to indemnify the accident victim in uninsured car accident claims. A personal injury lawyer can assist victims injured in an uninsured accident in North York and other communities in the GTA in the following incidents:
  • At-fault driver had no insurance – a personal injury lawyer is an expert in Ontario law and will determine if the owner of the car or owner of the household which possessed the car, had any form of auto insurance. If so, the auto insurance company will be responsible for coverage.
  • Injured party has insurance – if the at-fault driver had no insurance, the injured party's own auto insurance company will be responsible to pay the claim. In this case, the injured party will need to sue, or bring a claim against their own auto insurance company.
  • Both negligent driver and injured party don't have insurance – the injured party may still be able to recover compensation. Ontario's provincial government has established a fund through the Motor Vehicle Accident Claims Fund (MVACF) to compensate innocent drivers in such claims.
Accident benefits that are available for those who have been injured in an accident with an uninsured driver include:
  • Income replacement
  • Non-earner
  • Medical and rehabilitation
  • Attendant care
  • Housekeeping and home maintenance
  • Caregiver costs
  • Other expenses
If the injured party can identify the uninsured driver, a personal injury lawyer can assist in pursuing a lawsuit against the driver to help receive compensation for expenses above and beyond accident benefits, including:
  • Pain and suffering
  • Housekeeping and home maintenance
  • Healthcare expenses beyond Ontario Health Insurance Plan (OHIP) benefits
  • Economic loss of earning capacity
Because the law applying to uninsured and underinsured driving accidents can become quite complex, a GTA lawyer that specializes in personal injury law will help make sense of your legal options.

North York Personal Injury Lawyers

Although it is unknown exactly how many uninsured drivers are on the roads in North York, recent accident statistics in Ontario show they are involved in more than 10,000 accidents each year, resulting in serious injuries and death.
Following an injury arising from an uninsured car accident, personal injury lawyers in North York are equipped to handle intricate legal and insurance issues arising from the accident. Case consultations are free of charge and legal fees are only required after the case is settled. Given the diversity of accident victims, GTA personal injury lawyers speak 15 languages in the office.
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Zarolia Barristers Professional Corporation        |        416-789-9200        |        info@zarolialaw.com        |        www.zarolialaw.com
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