Frequently Asked Questions

What do I do after a car accident?

The moments after any motor vehicle accident can be confusing and hectic.  Try to remain calm and follow these steps.

  • You should remain at the scene of the accident.
  • If the vehicles are damaged and/or someone has been injured, call the police and ambulance.
  • Gather the names, addresses, and telephone numbers of the individuals involved in the accident, including any witnesses. Use this form to help you capture all the relevant information.
  • Take down the other license plate details and the name and policy number of the driver’s insurance.  Use this form to gather all the necessary information.
  • If possible, take photos of your vehicle damage, the scene, and your injuries.
  • Notify your insurance agent, broker, or insurance company within seven days of the accident.
  • Contact a knowledgeable personal injury lawyer to learn about your rights.

Do I need to see a doctor after a car accident?

If you have been involved in a car accident or motorcycle accident, sometimes, injuries may not become apparent until hours even days after the accident. It is very important to see a doctor in order to prevent a delay in receiving any treatment that may be required.

Do I have to accept what the insurance company offers for my injury claim?

It is in the best interest of the insurance company to settle the claim as quickly as possible. By accepting an offer from the insurance company the case is considered closed and you run the risk of releasing them from paying what you fully deserve. Before agreeing to settle your claim, you should always speak to a lawyer and make sure that you are adequately informed of your rights.

What if I can’t afford a lawyer?

We understand that finances can be tight after a car accident.  Campisi LLP wants to make your insurance claim process as easy as possible so you can focus on your recovery.  You don’t pay anything during the course of the personal injury lawsuit. Once you case is won or a settlement is reached, we received a standard percentage.

What is my insurance claim worth?

The insurance claim process can be very complex.  The value of a claim takes time, as evidence has to be gathered by both sides and will be dependent on a variety of issues including:

  • whether you were totally or partially responsible for the accident;
  • the nature and extent of your injuries;
  • the frequency, duration and cost of treatment;
  • level of disability you will be left with as a result of your injuries;
  • your pre-accident employment history and income;
  • the length of time it took you to return to work and the ability to return to the same level of pre-accident employment;

What does no-fault insurance really mean?

The term no-fault insurance can be misleading and is often interpreted to mean that no one is at fault for the accident.  In actuality, there is always someone determined to be “at-fault” in an accident.  The no fault insurance more accurately means that if you are injured or your car is damaged in an accident regardless of who is at fault, drivers always file their claim with their own insurance company.

What if the insurance company says I caused the accident even though I didn’t?

Insurance companies assess fault in accordance with the Fault Determination Rules. If you disagree with your insurance company’s assessment of fault, contact the claims adjuster handling your case. Take this opportunity to present any new evidence which may change the determination of fault.  In the case where your insurer still refuses to revise fault, then you can contact a complaint officer and you may want to contact a personal injury lawyer.

The other driver in the accident does not have insurance. What does this mean for me?

In the province of Ontario, those hurt by uninsured motorists may be entitled to compensation by their own insurance company under “uninsured motorist coverage.”

How can I get help paying my bills since I can’t work since my accident?

If you have sustained an injury and cannot work, it is important that you focus on your recovery.  There are options to assist financially.

  • You may be entitled to Income Replacement Benefits from your insurance company
  • You may be entitled to short-term or long-term disability benefits through your employer.  Speak to your Human Resources department to find out what you are entitled to under your plan.
  • You may be entitled to Canadian Pension Plan (CPP) or Ontario Disability Savings Plan (ODSP) benefits
  • Speak to an experienced personal injury lawyer to ensure you are getting all the assistance that is available to you.

I can’t work because of my car accident injuries, what do I tell my employer?

After an accident, it may take some time to get back to your old life.  Some injuries may prevent you from returning to work.  You should notify your employer about your accident and your injuries. You should also keep in touch with your employer throughout your recovery, updating them on your condition and a possible timeline of when you may be returning to your position.