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Brenda Hollingsworth and Richard Auger are personal injury lawyers representing accident victims in Ontario, Canada. Their law firm is Auger Hollingsworth, located in Ottawa. They are the authors of "An Injured Victim's Guide to Fair Compensation". To get free copy of this book, contact ; email [link widoczny dla zalogowanych] or call 613.233.4529.

The expenses you incur and the income you lose are often very significant components of your claim for compensation. Generally, these are objective costs to you which can be calculated with relative ease as long as someone is keeping track.
Medical and Rehabilitation Expenses
As an injured person in Ontario, you will likely require health care services that are not covered by OHIP, such as physiotherapy, occupational therapy, chiropractic, massage, prescriptions, prolotherapy, psychology, vocational rehabilitation, dentistry and in catastrophic cases, additional services such as case management.
If you have extended [url=http://www.mansmanifesto.fr]doudoune moncler[/url] health care benefits that cover all or some of these services, you will have to submit your expenses to that insurer first.
If you do not have extended health care or if there is a deductible (for example if they only pay 80%) or an annual limit for expenses that you exceed, or a particular service is not covered, you will have access to the medical and rehabilitation policy of the Accident Benefit insurer. You and your treatment providers will make arrangements to have your services paid directly by the Accident [url=http://www.maximoupgrade.com/hot.php]hollister france[/url] Benefit insurer, in most situations.
However, if there are accident-related services that are not covered, you or your lawyer will need to track those expenses to claim them from the at-fault driver. In addition, there is a policy limit for Accident Benefits depending on the severity of [url=http://www.1855sacramento.com/peuterey.php]peuterey[/url] the accident (either $100,000 or $1,000,000). Anything over and above the Accident Benefits' limits would also be claimed from the at- fault driver.
Loss of Income
Ontario accident victims are only entitled to 80% of their pre-trial loss of income. They are entitled to 100% of post-trial losses.
If you had a straight salaried position that you can no longer do, it will be relatively easy to calculate your past loss of income. However, you will want to be aware of any raises or bonuses your co-workers received if you would have received the same.
Calculating your loss of income is trickier when your pre-accident work was irregular, your career was on an upward trajectory or market conditions in your position were changing, for better or for worse. It is also more challenging to calculate income loss for people who are self-employed.
If you are retrained to work at another position, the income from your new position will have to [url=http://www.davidhabchy.com]barbour sale[/url] be factored [url=http://www.sandvikfw.net/shopuk.php]hollister sale[/url] into your claim for losses.
It is vitally important to [url=http://www.sandvikfw.net/shopuk.php]hollister outlet sale[/url] track, calculate, document, and fairly project your loss of income claim and any related loss of a future pension. We commonly use [url=http://www.getconversational.com]hollister pas cher[/url] an economist, forensic accountant and / or an [url=http://www.1855sacramento.com/moncler.php]moncler outlet[/url] actuary to perform these types of calculations.
Other Types of Expenses
Out of pocket expenses for other services you are required to purchase because of your accident should also be tracked. For example, if you are unable to drive for four months because of a leg cast, you will have had transportation expenses. You will need receipts and records to prove those losses. If you were driven by a loved one, a record [url=http://www.thehygienerevolution.com/barbour.php]barbour[/url] of that person's time will be important.
If you have to hire a babysitter to look after kids because you cannot take care of them due to your injuries or to get to medical appointments, and you did not qualify for the caregiver benefit under the Accident Benefits, you can claim these expenses from the at-fault driver if you have accurate records and can prove your losses.
An Important Note - Honesty is the Best Policy
No matter what, do not exaggerate your losses in terms of pain and suffering or in [url=http://www.1855sacramento.com/peuterey.php]peuterey outlet[/url] terms of out-of-pocket expenses. To do so is [url=http://www.rtnagel.com/airjordan.php]nike air jordan pas cher[/url] the kiss of death for your case. You effectively play into the insurance company's premise that all claimants are fraudsters.
In our office, we repeatedly tell our clients that their number one job is to get better and to return, to the greatest extent possible, to their pre-accident condition. That means admitting when your injuries improve and to what extent. That means admitting that you had a good time on your family vacation that took place after the accident.
Will making this type of admission reduce your settlement or jury award? Yes, it may.
However, your settlement or jury award may be zero if a jury is confronted with a photo of you grinning, sipping a Pina [url=http://www.davidhabchy.com]barbour outlet[/url] Colada on the beach if you have just stated that you took no vacations since the accident.
And speaking of honesty, it is also extremely harmful to your injury case to hide past accidents or past injuries. Your history comes out in the wash when you pursue an accident settlement, with or without a lawyer. A claimant who is not credible has very little bargaining power.
On the same note, if you are making an income loss claim, your past income tax returns will be relevant and will likely be produced. If your tax returns are not pristine, that can be a problem. Consider fixing any tax issues before embarking on settlement negotiations if possible. Use a reliable, credible professional for this purpose.
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