The short answer is yes. You may be eligible to receive general benefits in accordance with Ontario’s Minor Injury Guideline (MIG). The MIG provides a framework for the treatment of insured individuals who sustain minor injuries in a car accident. Below, we discuss this guideline in greater detail.
Our legal team at Greg Monforton & Partners has been helping Ontario residents fight for just and fair compensation for four decades. Our firm has successfully $300 million on behalf of our clients, including car accident victims. The initial consultation comes at no cost or obligation to you.
The MIG is a part of the Statutory Accident Benefits Schedule or SABS. Under the SABS, there are different levels of benefits car accident victims may be able to receive based on the severity of their impairments. These levels include minor impairments, non-catastrophic impairments and catastrophic impairments.
For minor injuries or impairments, the MIG provides rules for the goods and services that will be paid for by the insurer to an insured individual.
The overall objectives of the guideline is to:
Accident benefits are only provided to insured individuals whose minor injury qualifies under the guideline. The MIG defines a minor injury as one or more of the following:
For instance, you may qualify for benefits if you suffered a sprain or strain in an accident that caused a partial, but not a complete tear to one or more muscles, tendons or ligaments.
The MIG also has a structured 12-week treatment course consisting of three phases that health care providers can use to help victims reduce or manage their pain and injury-related symptoms.
Although treatment of minor injuries from an accident does not require the insurer’s approval, the MIG does limit the benefit amount victims have access to.
An insured individual with minor injuries only has access to a maximum of $3,500 for medical and rehabilitation benefits. In some cases, this amount may be sufficient to cover costs, but for most injured victims, this amount is not nearly enough to pay for the treatment required to make a recovery.
This is why it is important that you seek medical care as soon as possible after an accident, even if your injuries seem minor. You do not want any injuries you suffer to be misclassified or discredited by an insurer. They work tirelessly to devalue and deny claims in an attempt to save themselves money.
An experienced lawyer can help you gather the proper evidence (i.e. reports and medical records) to accurately establish the extent of your injuries. Doing so could allow you access to additional benefits.
A Windsor-based car accident lawyer from our firm is ready to communicate and negotiate with the insurer on your behalf to help recover the compensation you need. We have decades of experience handling car accident claims and are well-versed in different insurance policies.
Let us review your situation and any answer any questions you may have about the legal process in a risk-free consultation. There is no obligation after this initial meeting to have us represent you. However if you do decide to move forward, we charge no upfront fees to take or work on a case.
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