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Frequently Asked Questions

I was just in a car accident, what do I do?

If you were just in an accident and have already been examined by a medical professional in a hospital, walk in clinic or your family doctor, make sure you follow their treatment recommendations. Also, be sure to advise your car insurance company that you have been in an accident.  You should contact Accident Referral Specialist to get in touch with a legal professional who will give you further information on what your next steps should be and what you are entitled to.

What if I don’t have my own insurance?

If you don’t have your own insurance and you were a passenger or a pedestrian, the answer depends on who you live with and who you rely on for financial care. Your next step is to contact Accident Referral Specialist to get in touch with a legal professional so they can ask the right questions and advise you what insurance company will cover you in this situation.

What if the car accident was my fault?

If you were at fault for the car accident, you are still entitled to Accident Benefits which will cover medical and rehabilitation expenses to help you recover. Your next step is to contact Accident Referral Specialist to get in touch with a legal professional who can help you start the process.

Will my insurance premiums go up?

In Ontario, premiums can rise for a number of different reasons as everyone’s situation is different. A large factor of rising premiums is the postal code you live in. Every year underwriters at insurance companies evaluate a postal code and identify how many claims have occurred in the area which can include windshield, theft and car accidents.

I just slipped on someone’s property, what do I do?

Similar to car accidents, make sure you are examined by a medical professional and ensure you are following their treatment plan for you. The next step is to identify who the owners are for the area where you slipped and fell and who is responsible in maintaining the area for the safety of you and everyone else.  Ensure you contact Accident Referral Specialist to get in touch with a legal professional who can help you start the process.

Who will pay for my medical bills and items I have paid for out of pocket?

All medical bills and expenses that have been incurred and paid for out of your pocket will be covered by your insurance company as long as they are reasonable and relate to your accident or injury. Your legal team will submit expenses on a timely basis and you will get reimbursed directly.  Your next step is to contact Accident Referral Specialist to get in touch with a legal professional who can help you start the process.

How long will it take to speak to a legal professional about my case?

Once you contact Accident Referral Specialist, you will be put in touch with a legal professional that will best suit your case within 1-2 hours. You can meet with the legal professional that same day or arrange a more convenient time that suits your current situation.

How will I pay for my legal services?

Personal Injury services in Ontario are calculated on a contingency fee basis. This means that you and your legal professional will agree on a percentage that you will be charged. The percentage you agree to, will be outlined in your retainer and once the file settles, that percentage is calculated and paid to your legal professional. You will not be expected to pay for any legal services while your claim is in progress.