Canadian in Florida Accident and the driver that caused the accident has no insurance - Can I make a Claim against My Own Ontario Canada Insurance Policy?
If you are a Canadian injured in an accident while visiting Florida and the driver of the other vehicle does not have insurance, you may still be able to claim compensation for your injuries. Ontario auto insurance policies provide protection if you are involved in a car accident with uninsured or inadequately insured driver while visiting Florida. This insurance coverage is in addition to no-fault statutory accident benefits, which may also be available to Ontario residents injured in Florida. The Uninsured Claim will be advanced against your Ontario Auto Insurer in Ontario, although some aspects of Florida law will apply. That is, Ontario law on damages applies while the laws governing liability are controlled by Florida law. There are important distinctions between Ontario and Florida law on liability. Significantly, some of the harsh Ontario laws such as the deductible and threshold should not apply in a Uninsured Claim in Ontario, as the Courts have held that those are liability provisions. If this sounds somewhat complicated, that is because it can be. Get informed about your rights by obtaining advice from a lawyer with experience handling Florida uninsured claims in Ontario.
Attorney Andrew Iacobelli is a licensed attorney in the State of Florida and licensed lawyer in the Provnice of Ontario. He has offices located in Palm Beach County Florida, and Richmond Hill Ontario. Through these offices, Andrew regularly assists Canadians that have been injured while visiting Florida. All cases are unique and may have aspects that need to be advanced in the United States and Canada. We are happy to review the circumstances of your case so that you can make an informed decision. Consultations are Free and there is no obligation. To learn more, call us at 1-866-234-6093 or complete an online contact form to request a Call.
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.