Name: CAA_presentation
Uploaded: 2022-01-04
Duration: 14 min 9 s
Description: . . CAA Presentation The Intricacies of Accident Benefits for Accident Benefits Adjusters Presented by Reid Anderson Educational Consultants.

. . CAA Presentation The Intricacies of Accident Benefits for Accident Benefits Adjusters Presented by Reid Anderson Educational Consultants. 

Scene 1

CAA Presentation
The Intricacies of Accident Benefits
for Accident Benefits Adjusters
Presented by Reid Anderson Educational Consultants

acies of Accident Benefits
)ident Benefits Adjusters
ted by Reid Anderson Educational Consultants

Presented by Reid Anderson Educational Consultants

. . Stakeholders Stakeholders Involved in Making a Claim The Insured Person(s) Hereafter referred to as the "claimant" Insurance Company Can be an actual insurance company or an independent insurance broker or its representative Accident Benefits Adjuster An accident benefits or claims adjuster is the main point of contact a claimant has with the insurance company. The adjuster will guides the claimant through the claims process by determining what is covered by the policy.. 

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Stakeholders
Stakeholders Involved in Making a Claim
The Insured Person(s)
Hereafter referred to as the "claimant"
Insurance Company
Can be an actual insurance company or an independent insurance
broker or its representative
Accident Benefits Adjuster
An accident benefits or claims adjuster
is the main point of contact a claimant
has with the insurance company. The
adjuster will guides the claimant through
the claims process by determining what
is covered by the policy.

nsurance company or an independent insurance
;entative
ijuster
ts or claims adjuster
f contact a claimant
Ince company. The
the claimant through
by determining what
)01icy.

The Insured Person(s) 
• 
Hereafter referred to as the “claimant”

Insurance Company 
• 
Can be an actual insurance company or an independent insurance 
broker or its representative

Accident Benefits Adjuster 
• 
An accident benefits or claims adjuster  
is the main point of contact a claimant  
has with the insurance company. The  
adjuster will guides the claimant through  
the claims process by determining what  
is covered by the policy.

. . Benefits Adjuster Specific Duties of an Accident Benefits Adjuster After verifying that insurance coverage applies to the loss, the adjuster notifies the insurer of a covered loss under policy terms. Claims evaluation must begin in a timely manner. Most insurance companies require that claims evaluations be initiated within mandatory timeframes, depending on the type of loss involved. The adjuster files any necessary paperwork, communicates with the claimant, and investigates the assignment of liability. Damages are physically inspected and assessed. An adjuster may travel to a repair shop to inspect a damaged vehicle.. 

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Benefits Adjuster
Specific Duties of an Accident Benefits Adjuster
After verifying that insurance coverage applies to the loss, the
adjuster notifies the insurer of a covered loss under policy terms.
Claims evaluation must begin in a timely manner. Most insurance
companies require that claims evaluations be initiated within
mandatory timeframes, depending on the type of loss involved.
The adjuster files any necessary paperwork, communicates with the
claimant, and investigates the assignment of liability.
Damages are physically inspected and assessed. An adjuster may
travel to a repair shop to inspect a damaged vehicle.

that claims evaluations be initiated within
mes, depending on the type of loss involved.
any necessary paperwork, communicates with the
stigates the assignment of liability.
sically inspected and assessed. An adjuster may
hop to inspect a damaged vehicle.

Specific Duties of an Accident Benefits Adjuster 
• 
After verifying that insurance coverage applies to the loss, the 
adjuster notifies the insurer of a covered loss under policy terms.

• 
Claims evaluation must begin in a timely manner. Most insurance 
companies require that claims evaluations be initiated within 
mandatory timeframes, depending on the type of loss involved.

• 
The adjuster files any necessary paperwork, communicates with the 
claimant, and investigates the assignment of liability.

• 
Damages are physically inspected and assessed. An adjuster may 
travel to a repair shop to inspect a damaged vehicle.

. . Benefits Adjuster Specific Duties of an Accident Benefits Adjuster (cont.) The adjuster then researches market values and the replacement costs associated with each aspect of the claim to account for property damage, loss of personal items, or other expenses. A detailed damages report is then provided by the adjuster to the insurance company. An adjuster may also simultaneously negotiate with vendors or repair shops on cost and time needed for repair/replacement in order to coincide with a settlement offer for the claimant. If the claimant disagrees with a settlement offer, an adjuster may go back to reassess any new information or evidence. The process may also go to arbitration or mediation. At all times, the adjuster is responsible for protecting the interest of the insurance company. An adjuster's main focus is to prevent an overpayment or any payment on an exaggerated claim.. 

Scene 4

Benefits Adjuster
Specific Duties of an Accident Benefits Adjuster (cont.)
The adjuster then researches market values and the replacement
costs associated with each aspect of the claim to account for
property damage, loss of personal items, or other expenses.
A detailed damages report is then provided by the adjuster to the
insurance company.
An adjuster may also simultaneously negotiate with vendors or
repair shops on cost and time needed for repair/replacement in
order to coincide with a settlement offer for the claimant.
If the claimant disagrees with a settlement offer, an adjuster may go
back to reassess any new information or evidence. The process may
also go to arbitration or mediation.
At all times, the adjuster is responsible for protecting the interest of
the insurance company. An adjuster's main focus is to prevent an
overpayment or any payment on an exaggerated claim.

report is then provided by the adjuster to the
Iso simultaneously negotiate with vendors or
and time needed for repair/replacement in
Vith a settlement offer for the claimant.
with a settlement offer, an adjuster may go
new information or evidence. The process may
on or mediation.
Ijuster is responsible for protecting the interest of
Ipany. An adjuster's main focus is to prevent an
payment on an exaggerated claim.

Specific Duties of an Accident Benefits Adjuster (cont.) 
• 
The adjuster then researches market values and the replacement 
costs associated with each aspect of the claim to account for 
property damage, loss of personal items, or other expenses.

• 
A detailed damages report is then provided by the adjuster to the 
insurance company.

• 
An adjuster may also simultaneously negotiate with vendors or 
repair shops on cost and time needed for repair/replacement in 
order to coincide with a settlement offer for the claimant.

• 
If the claimant disagrees with a settlement offer, an adjuster may go 
back to reassess any new information or evidence. The process may 
also go to arbitration or mediation.

• 
At all times, the adjuster is responsible for protecting the interest of 
the insurance company. An adjuster’s main focus is to prevent an 
overpayment or any payment on an exaggerated claim.

. . Benefits Adjuster. . Benefits Adjuster. Benefits Adjuster. 

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. . Benefits Coverage Accident Benefits Coverage The amount and type of benefits available depend on the type of injury. There are three main categories for injuries: minor injuries, catastrophic, and non-catastrophic. To support a claim, a claimant may have to complete a claim form, also known as a Proof of Loss form (a sworn statement in support of a claim). The benefits adjuster then determines the extent to which a claim is covered by the insurance policy, and help guides the claimant through the claims process. A common dispute with the insurance company and the insurance adjuster is a difference of opinion with respect to the category of the injury. In some cases a physical examination of the claimants injuries by a medical doctor may be necessary.. 

Scene 6

Benefits Coverage
Accident Benefits Coverage
The amount and type of benefits available depend on the type of
injury. There are three main categories for injuries: minor injuries,
catastrophic, and non-catastrophic.
To support a claim, a claimant may have to complete a claim form,
also known as a Proof of Loss form (a sworn statement in support of
a claim).
The benefits adjuster then determines the extent to which a claim is
covered by the insurance policy, and help guides the claimant through
the claims process.
A common dispute with the insurance company and the insurance
adjuster is a difference of opinion with respect to the category of the
injury. In some cases a physical examination of the claimants injuries
by a medical doctor may be necessary.

a claimant may have to complete a claim form,
oof of Loss form (a sworn statement in support of
er then determines the extent to which a claim is
Irance policy, and help guides the claimant through
with the insurance company and the insurance
nce of opinion with respect to the category of the
a physical examination of the claimants injuries
may be necessary.

•  The amount and type of benefits available depend on the type of

injury. There are three main categories for injuries: minor injuries, 
catastrophic, and non-catastrophic.

•  To support a claim, a claimant may have to complete a claim form,

also known as a Proof of Loss form (a sworn statement in support of 
a claim).

•  The benefits adjuster then determines the extent to which a claim is

covered by the insurance policy, and help guides the claimant through 
the claims process.

•  A common dispute with the insurance company and the insurance

adjuster is a difference of opinion with respect to the category of the 
injury. In some cases a physical examination of the claimants injuries 
by a medical doctor may be necessary.

. . Benefit Types Types of Accident Benefits Financial Intended to replace income loss by the claimant in they are unable to return to work and covers three types of income loss Recovery and Assistance Covers medical expenses and rehabilitation, caregivers, and attendants. Death Benefits Death and Funeral Benefits. 

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Benefit Types
Types of Accident Benefits
Financial
Intended to replace income loss by the claimant in they are unable to return to work
and covers three types of income loss
Recovery and Assistance
Covers medical expenses and rehabilitation, caregivers, and attendants.
Death Benefits
Death and Funeral Benefits

and rehabilitation, caregivers, and attendants.
fits

Financial 
• 
Intended to replace income loss by the claimant in they are unable to return to work 
and covers three types of income loss

Recovery and Assistance 
• 
Covers medical expenses and rehabilitation, caregivers, and attendants.

Death Benefits 
• 
Death and Funeral Benefits

. . Financial Financial Benefits Income replacement benefit (IRB) —A claimant is eligible if they were earning income prior to the accident and are unable to return to work. The compensation a claimant will receive from IRB is 70 percent of their gross income up to $400 per week. It would commence a week after a loss, for the first two years if the claimant is unable to carry on working. After the first two years, the criteria is more stringent. Non-earner benefits — This type of accident benefit claim is designed to compensate injured accident victims who have completely lost their ability to return to their pre- accident lifestyle as a result of and within 104 weeks following the accident. Payable after 4 weeks at $185/week if the claimant is unable to carry on a normal life. Payable after age 18 and for a maximum of 104 weeks. Caregiver benefits — Only applies if the claimant was responsible for providing care to someone before the accident and can no longer provide that care. If they have been providing care to someone prior to the accident but can no longer continue due to injuries suffered. The claimant is eligible to a maximum of $250 compensation weekly, plus $50 for an additional dependent. They can immediately receive the benefit as long as the injury makes them unable to continue care giving benefits.. 

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Financial
Financial Benefits
Income replacement benefit (IRB) —A claimant is eligible if they were earning
income prior to the accident and are unable to return to work. The compensation a
claimant will receive from IRB is 70 percent of their gross income up to $400 per
week. It would commence a week after a loss, for the first two years if the claimant is
unable to carry on working. After the first two years, the criteria is more stringent.
Non-earner benefits — This type of accident benefit claim is designed to compensate
injured accident victims who have completely lost their ability to return to their pre-
accident lifestyle as a result of and within 104 weeks following the accident. Payable
after 4 weeks at $185/week if the claimant is unable to carry on a normal life. Payable
after age 18 and for a maximum of 104 weeks.
Caregiver benefits — Only applies if the claimant was responsible for providing care
to someone before the accident and can no longer provide that care. If they have
been providing care to someone prior to the accident but can no longer continue due
to injuries suffered. The claimant is eligible to a maximum of $250 compensation
weekly, plus $50 for an additional dependent. They can immediately receive the
benefit as long as the injury makes them unable to continue care giving benefits.

ng. After the first two years, the criteria is more stringent.
This type of accident benefit claim is designed to compensate
who have completely lost their ability to return to their pre-
sult of and within 104 weeks following the accident. Payable
eek if the claimant is unable to carry on a normal life. Payable
aximum of 104 weeks.
nly applies if the claimant was responsible for providing care
lccident and can no longer provide that care. If they have
omeone prior to the accident but can no longer continue due
claimant is eligible to a maximum of $250 compensation
additional dependent. They can immediately receive the
jury makes them unable to continue care giving benefits.

• 
Income replacement benefit (IRB) – A claimant is eligible if they were earning 
income prior to the accident and are unable to return to work. The compensation a 
claimant will receive from IRB is 70 percent of their gross income up to $400 per 
week. It would commence a week after a loss, for the first two years if the claimant is 
unable to carry on working. After the first two years, the criteria is more stringent.

• 
Non-earner benefits – This type of accident benefit claim is designed to compensate 
injured accident victims who have completely lost their ability to return to their pre-
accident lifestyle as a result of and within 104 weeks following the accident. Payable 
after 4 weeks at $185/week if the claimant is unable to carry on a normal life. Payable 
after age 18 and for a maximum of 104 weeks.

• 
Caregiver benefits – Only applies if the claimant was responsible for providing care 
to someone before the accident and can no longer provide that care. If they have 
been providing care to someone prior to the accident but can no longer continue due 
to injuries suffered. The claimant is eligible to a maximum of $250 compensation 
weekly, plus $50 for an additional dependent. They can immediately receive the 
benefit as long as the injury makes them unable to continue care giving benefits.

. . Recovery & Assistance Recovery and Assistance Benefits Medical and rehabilitation — Covers medical and therapeutic expenses not covered under OHIP. Common treatments include physiotherapy, chiropractic, massage, acupuncture, medications, assistive devices, and home and vehicle modifications. There is a maximum amount available depending upon the severity of the injuries (e.g. minor injury, non-catastrophic injury or catastrophic injury), unless the claimant has optional benefits. Qualified case manager services —A professional paid to co-ordinate medical, rehabilitation, and attendant care benefits. Housekeeping and Home Maintenance — Maximum of $100 per week for life if the claimant has sustained catastrophic injuries. Lost education expenses — Up to a maximum of $15,000 Attendant care benefits — If the claimant is unable to manage their own personal care as a result of accident related injuries, they can make a claim for attendant care benefits to pay for a nurse to help them in the home. Enhanced Accident Benefits — Pays additional income, medical and rehabilitation expenses. 

Scene 9

Recovery & Assistance
Recovery and Assistance Benefits
Medical and rehabilitation — Covers medical and therapeutic expenses not covered
under OHIP. Common treatments include physiotherapy, chiropractic, massage,
acupuncture, medications, assistive devices, and home and vehicle modifications.
There is a maximum amount available depending upon the severity of the injuries
(e.g. minor injury, non-catastrophic injury or catastrophic injury), unless the claimant
has optional benefits.
Qualified case manager services —A professional paid to co-ordinate medical,
rehabilitation, and attendant care benefits.
Housekeeping and Home Maintenance — Maximum of $100 per week for life if the
claimant has sustained catastrophic injuries.
Lost education expenses — Up to a maximum of $15,000
Attendant care benefits — If the claimant is unable to manage their own personal
care as a result of accident related injuries, they can make a claim for attendant care
benefits to pay for a nurse to help them in the home.
Enhanced Accident Benefits — Pays additional income, medical and rehabilitation
expenses

atastrophic injury or catastrophic injury), unless the claimant
services —A professional paid to co-ordinate medical,
dant care benefits.
me Maintenance — Maximum of $100 per week for life if the
3atastrophic injuries.
— Up to a maximum of $15,000
s — If the claimant is unable to manage their own personal
ent related injuries, they can make a claim for attendant care
se to help them in the home.
y•yefits — Pays additional income, medical and rehabilitation

• 
Medical and rehabilitation – Covers medical and therapeutic expenses not covered 
under OHIP. Common treatments include physiotherapy, chiropractic, massage, 
acupuncture, medications, assistive devices, and home and vehicle modifications. 
There is a maximum amount available depending upon the severity of the injuries 
(e.g. minor injury, non-catastrophic injury or catastrophic injury), unless the claimant 
has optional benefits.

• 
Qualified case manager services – A professional paid to co-ordinate medical, 
rehabilitation, and attendant care benefits.

• 
Housekeeping and Home Maintenance – Maximum of $100 per week for life if the 
claimant has sustained catastrophic injuries.

• 
Lost education expenses – Up to a maximum of $15,000

• 
Attendant care benefits – If the claimant is unable to manage their own personal 
care as a result of accident related injuries, they can make a claim for attendant care 
benefits to pay for a nurse  to help them in the home.

• 
Enhanced Accident Benefits – Pays additional income, medical and rehabilitation 
expenses

. . Death & Funeral Benefits Death and Funeral Benefits Death benefits include: $25,000 lump sump payable to an eligible spouse $10,000 lump sum payable to each dependent including a supported former spouse $25,000 divided equally among dependents, if there is no spouse. Funeral benefits — Maximum of $6,000 for funeral expenses.. 

Scene 10

Death & Funeral Benefits
Death and Funeral Benefits
Death benefits include:
$25,000 lump sump payable to an eligible spouse
$10,000 lump sum payable to each dependent including a supported former spouse
$25,000 divided equally among dependents, if there is no spouse.
Funeral benefits — Maximum of $6,000 for funeral expenses.

among dependents, if there is no spouse.
num of $6,000 for funeral expenses.

Death benefits include: 
• 
$25,000 lump sump payable to an eligible spouse

• 
$10,000 lump sum payable to each dependent including a supported former spouse

• 
$25,000 divided equally among dependents, if there is no spouse.

• 
Funeral benefits – Maximum of $6,000 for funeral expenses.

. . Exclusions Exclusions to Insurance Benefits In some cases, an insurance company may deny payment of Income Replacement, Non- earner and Compensation for other expenses. Cases include: Driving without valid insurance Driving without a valid driver's licence Driving while specifically excluded from driving under their insurance policy Driving a vehicle without the owner's consent Cases of fraud Driving a vehicle while committing a crime (whether or not the crime is related to the operation of the vehicle) ENIED. 

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Exclusions
Exclusions to Insurance Benefits
In some cases, an insurance company may deny payment of Income Replacement, Non-
earner and Compensation for other expenses.
Cases include:
Driving without valid insurance
Driving without a valid driver's licence
Driving while specifically excluded from driving under their insurance policy
Driving a vehicle without the owner's consent
Cases of fraud
Driving a vehicle while committing a crime
(whether or not the crime is related to the
operation of the vehicle)
ENIED

urance
river's licence
excluded from driving under their insurance policy
t the owner's consent
ommitting a crime
e is related to the
ENIED

In some cases, an insurance company may deny payment of Income Replacement, Non- 
earner and Compensation for other expenses.

Cases include: 
• 
Driving without valid insurance

• 
Driving without a valid driver's licence

• 
Driving while specifically excluded from driving under their insurance policy

• 
Driving a vehicle without the owner’s consent

• 
Driving a vehicle while committing a crime  
(whether or not the crime is related to the  
operation of the vehicle)

. . Application Process Applying for Accident Benefits A benefits adjuster will provide the claimant with an Accident Benefits Application Package that includes the following five forms: Application for Accident Benefits (OCF-I) Employer's Confirmation of Income (OCF-2) Disability Certificate (OCF-3) Permission to Disclose Health Information (OCF-5) Treatment Confirmation Form (OCF-23) Once the Accident Benefits Application Package has been reviewed, the insurance company lets the claimant know which benefits they qualify for.. 

Scene 12

Application Process
Applying for Accident Benefits
A benefits adjuster will provide the claimant with an Accident Benefits Application
Package that includes the following five forms:
Application for Accident Benefits (OCF-I)
Employer's Confirmation of Income (OCF-2)
Disability Certificate (OCF-3)
Permission to Disclose Health Information (OCF-5)
Treatment Confirmation Form (OCF-23)
Once the Accident Benefits
Application Package has been
reviewed, the insurance company
lets the claimant know which
benefits they qualify for.

Health Information (OCF-5)
Form (OCF-23)
Once the Accident Benefits
Application Package has been
reviewed, the insurance company
lets the claimant know which
benefits they qualify for.

A benefits adjuster will provide the claimant with an Accident Benefits Application 
Package that includes the following five forms: 
• 
Application for Accident Benefits (OCF-1)

• 
Employer's Confirmation of Income (OCF-2)

• 
Permission to Disclose Health Information (OCF-5)

• 
Treatment Confirmation Form (OCF-23)

• 
Once the Accident Benefits 
Application Package has been 
reviewed, the insurance company 
lets the claimant know which 
benefits they qualify for.

. . Claims Process ACCIDENT BENEFITS CLAIM PROCESS AUTOMOBILE ACCIDENT ACXIDENT INVESTIGATION CLIENT FILES A CLAIM CLIENT APPLIES FOR BENEFITS MEDICAL EXAMINATIONS OFFERED SETTLEMENT REJECTED MEDIATION MEDIATION SUCCESFUL MEDIATION FAIL s CLIENT MAY RETAIN LEGAL COUNSEL. 

Scene 13

Claims Process
ACCIDENT BENEFITS CLAIM PROCESS
AUTOMOBILE ACCIDENT
ACXIDENT INVESTIGATION
CLIENT FILES A CLAIM
CLIENT APPLIES
FOR BENEFITS
MEDICAL EXAMINATIONS
OFFERED
SETTLEMENT REJECTED
MEDIATION
MEDIATION SUCCESFUL
MEDIATION FAIL s
CLIENT MAY
RETAIN LEGAL COUNSEL

CLIENT APPLIES
FOR BENEFITS
MEDICAL EXAMINATIONS
SETTLEMENT
SETTLEMENT REJECTED
MEDIATION
MEDIATION SUCCESFUL
SETTLEMENT AWARD
MEDIATION FAILS
CLIENT MAY
RETAIN LEGAL COUNSEL

. . Tort Claims When an Insured Person Files a Tort Claim A claimant is also entitled to bring a claim against the negligent driver who was at fault for the car accident if they sustained a serious and have sustained serious and permanent damage as a result of the car accident. The claimant has two years from the date of the accident to commence this tort action. The compensation which they receive for pain and suffering (known as a "non-pecuniary damages award") is subject to an increasing deductible which on January 1 , 2018 went up to $37,983.33. However, if the non-pecuniary damages surpass $126,610.07, the deductible disappears. These numbers are adjusted periodically. Claims by spouses or relatives for the loss of the care, guidance and companionship of an injured person, are subject to a deductible as well. Currently that number is $18,991.67, disappearing if the Family Law Act claim exceeds $63,304.51. In a tort claim, a claimant can also claim for past lost income, future lost income, impairment of your ability to earn income, loss of competitive advantage in the workplace future care costs and out-of-pocket expenses and business losses. These claims are not subject to a $30,000 deductible.. 

Scene 14

Tort Claims
When an Insured Person Files a Tort Claim
A claimant is also entitled to bring a claim against the negligent driver who was at fault for
the car accident if they sustained a serious and have sustained serious and permanent
damage as a result of the car accident. The claimant has two years from the date of the
accident to commence this tort action.
The compensation which they receive for pain and suffering (known as a "non-pecuniary
damages award") is subject to an increasing deductible which on January 1 , 2018 went
up to $37,983.33. However, if the non-pecuniary damages surpass $126,610.07, the
deductible disappears. These numbers are adjusted periodically.
Claims by spouses or relatives for the loss of the care, guidance and companionship of
an injured person, are subject to a deductible as well. Currently that number is
$18,991.67, disappearing if the Family Law Act claim exceeds $63,304.51.
In a tort claim, a claimant can also claim for past lost income, future lost income,
impairment of your ability to earn income, loss of competitive advantage in the workplace
future care costs and out-of-pocket expenses and business losses. These claims are not
subject to a $30,000 deductible.

:ort action.
ey receive for pain and suffering (known as a "non-pecuniary
to an increasing deductible which on January 1, 2018 went
if the non-pecuniary damages surpass $126,610.07, the
numbers are adjusted periodically.
'es for the loss of the care, guidance and companionship of
ct to a deductible as well. Currently that number is
the Family Law Act claim exceeds $63,304.51.
In also claim for past lost income, future lost income,
earn income, loss of competitive advantage in the workplace
-pocket expenses and business losses. These claims are not
ible.

When an Insured Person Files a Tort Claim

A claimant is also entitled to bring a claim against the negligent driver who was at fault for 
the car accident if they sustained a serious and have sustained serious and permanent 
damage as a result of the car accident. The claimant has two years from the date of the 
accident to commence this tort action.

The compensation which they receive for pain and suffering (known as a “non-pecuniary 
damages award”) is subject to an increasing deductible which on January 1, 2018 went 
up to $37,983.33. However, if the non-pecuniary damages surpass $126,610.07​, the 
deductible disappears. These numbers are adjusted periodically.

Claims by spouses or relatives for the loss of the care, guidance and companionship of 
an injured person, are subject to a deductible as well. Currently that number is 
$18,991.67, disappearing if the Family Law Act claim exceeds ​$63,304.51.

In a tort claim, a claimant can also claim for past lost income, future lost income, 
impairment of your ability to earn income, loss of competitive advantage in the workplace 
future care costs and out-of-pocket expenses and business losses. These claims are not 
subject to a $30,000 deductible.

. . 1. 2. 3. 4. 5. 6. References https://www.fsco.gov.on.ca/en/auto/brochures/pages/brochure_claims.aspx http://www.fsco.gov.on.ca/en/auto/forms/Documents/SABS-CIaims-Forms/1224E.4. pdf https://www.fsrao.ca/consumers/auto-insurance/after-accident-understanding-claims- process https://petkerlaw.com/accident-benefits-and-tort-claims-whats-the-difference-and-how-do- they-intersect/ https://singerkwinter.com/insurance-claims/accident-benefit-claims/ https://www.siskinds.com/excluded-benefits-under-ontarios-no-fault-accident-benefits- regime/. 

Scene 15

1.
2.
3.
4.
5.
6.
References
https://www.fsco.gov.on.ca/en/auto/brochures/pages/brochure_claims.aspx
http://www.fsco.gov.on.ca/en/auto/forms/Documents/SABS-CIaims-Forms/1224E.4. pdf
https://www.fsrao.ca/consumers/auto-insurance/after-accident-understanding-claims-
process
https://petkerlaw.com/accident-benefits-and-tort-claims-whats-the-difference-and-how-do-
they-intersect/
https://singerkwinter.com/insurance-claims/accident-benefit-claims/
https://www.siskinds.com/excluded-benefits-under-ontarios-no-fault-accident-benefits-
regime/

nm/accident-benefits-and-tort-claims-whats-the-difference-and-how-do-
ter.com/insurance-claims/accident-benefit-claims/
ds.com/excluded-benefits-under-ontarios-no-fault-accident-benefits-

1. 
https://www.fsco.gov.on.ca/en/auto/brochures/pages/brochure_claims.aspx

2. 
http://www.fsco.gov.on.ca/en/auto/forms/Documents/SABS-Claims-Forms/1224E.4.pdf

3. 
https://www.fsrao.ca/consumers/auto-insurance/after-accident-understanding-claims-
process

4. 
https://petkerlaw.com/accident-benefits-and-tort-claims-whats-the-difference-and-how-do-
they-intersect/

5. 
https://singerkwinter.com/insurance-claims/accident-benefit-claims/

6. 
https://www.siskinds.com/excluded-benefits-under-ontarios-no-fault-accident-benefits-
regime/