Canadian injured in the United States Car Accident and Insurance Company is Asking You to Elect Benefits from Ontario or United States - Which Benefits Should I Choose?
If you are an Ontario resident and have recently been injured in a car accident while visiting the United States, your insurance company will ask you to complete an election of benefits form. That is, you will be asked to elect between Ontario Accident Benefits or Accident Benefits (PIP) benefits of the State where the accident occurred. Your response to this can have serious implications for the amount of coverage available for losses and expenses associated with such things as income loss, and medical and rehabilitation costs. It is important to be familiar with the benefits available in Ontario and the state where the accident occurred.
In additon to accident benefits, you will also have to determine whether you have a tort claim against an at-fault driver. Again, the insurance coverages available under your Ontario auto policy and those of the at-fault vehicle will need to be reviewed to determine if your claim will be advanced in the United States or Ontario.
When Ontario residents are involved in car accident in the United States, there are special considerations and steps that need to be taken to protect your rights. It is important to speak with a lawyer familiar with cross-border car accident claims before you make a costly decision. Our law firm regularly represents Ontario residents that are injured in the United States. If you have questions, call us for a Free Consultation at 1-866-234-6093 or complete our online contact form here.
Andrew Iacobelli is a lawyer, licensed to practice law in Florida, Michigan and Ontario. Andrew restricts his practice to the representation of individuals that have been seriously injured.