When is an accident an automobile accident?
Surprisingly, there are many incidents that may not be commonly thought of as auto accidents that are auto accidents and are covered under auto insurance payments in Ontario. Here are some interesting types of incidents that might be covered under auto insurance policies, apart from the obvious multiple or single automobile accidents: (1) an auto accident in the U.S.A. (Florida, New York, California, etc...) might be covered under Ontario accident benefits and lawsuits, including the U.S. virgin islands or Hawaii; (2) a trailer that breaks off from a parked truck, rolled down a hill and injured a pedestrian; (3) a cyclist upon hearing the rumble of an on-coming truck from behind, loses control of the bicycle and is injured; (4) a person inserting her car key into the door and falls on ice at that moment; (5) a visitor to Ontario might also be covered under the Ontario law on auto accident compensation; (6) not only the person physically injured is covered, some family members might be entitled to claim every type of auto insurance compensation as well even if the family members were not at the scene of the accident and were not physically injured; and (7) even where you are not listed on any auto insurance policy, there might still be auto insurance coverage for you through the Motor Vehicle Accident Fund regardless.
Given the not-so-obvious coverage of auto insurance regime in Ontario, when you are in doubt of whether or not you should report your injuries or claim to your auto insurance company promptly, do it, because you have nothing to lose or the insurer might be entitled to know. If you have more than one auto policy in your household, if in doubt, report to all of your different insurers. They will appreciate being notified promptly and they will sort out who will respond to you. By law, the first company that you report to will usually take the lead in taking care of you while the issue of which insurer is responsible for the claim is sorted out by the first insurer. You might have a choice in picking the company you wish to report to first. Some companies are not as fair or responsible as others. If you must decide on your own, consider picking the company that you have bought auto insurance for the longest period of time.
Surprisingly, there are many incidents that may not be commonly thought of as auto accidents that are auto accidents and are covered under auto insurance payments in Ontario. Here are some interesting types of incidents that might be covered under auto insurance policies, apart from the obvious multiple or single automobile accidents: (1) an auto accident in the U.S.A. (Florida, New York, California, etc...) might be covered under Ontario accident benefits and lawsuits, including the U.S. virgin islands or Hawaii; (2) a trailer that breaks off from a parked truck, rolled down a hill and injured a pedestrian; (3) a cyclist upon hearing the rumble of an on-coming truck from behind, loses control of the bicycle and is injured; (4) a person inserting her car key into the door and falls on ice at that moment; (5) a visitor to Ontario might also be covered under the Ontario law on auto accident compensation; (6) not only the person physically injured is covered, some family members might be entitled to claim every type of auto insurance compensation as well even if the family members were not at the scene of the accident and were not physically injured; and (7) even where you are not listed on any auto insurance policy, there might still be auto insurance coverage for you through the Motor Vehicle Accident Fund regardless.
Given the not-so-obvious coverage of auto insurance regime in Ontario, when you are in doubt of whether or not you should report your injuries or claim to your auto insurance company promptly, do it, because you have nothing to lose or the insurer might be entitled to know. If you have more than one auto policy in your household, if in doubt, report to all of your different insurers. They will appreciate being notified promptly and they will sort out who will respond to you. By law, the first company that you report to will usually take the lead in taking care of you while the issue of which insurer is responsible for the claim is sorted out by the first insurer. You might have a choice in picking the company you wish to report to first. Some companies are not as fair or responsible as others. If you must decide on your own, consider picking the company that you have bought auto insurance for the longest period of time.