What Are Statutory Accident Benefits?
Statutory accident benefits are benefits available for an injured or killed person in an automobile accident, regardless of who was at fault during the accident; this is also known as “no-fault accident benefits.” The person should be injured by an accident that arose directly out of the use or operation of the automobile, and then he may be entitled to these no-fault accident benefits. The Statutory Accident Benefits Schedule regulates it, a regulation made under the Insurance Act of Ontario (also called no-fault benefits).
Who Is Eligible for Accident Benefits?
Anyone injured in an accident may be eligible for benefits. An applicant’s injuries must be caused by accident. The circumstances causing the impairment must meet the definition of the accident: “accident” means an incident in which the use or operation of an automobile directly causes an impairment or directly causes damage to any prescription eyewear, denture, hearing aid, prosthesis, or other medical or dental devices.
There are some circumstances, however, that may limit a claim for benefits or make an applicant ineligible. For example:
- driving without a valid driver’s licence,
- driving a vehicle without the owner’s consent,
- being a passenger in a vehicle driven by someone without the owner’s consent,
- driving without valid insurance,
- driving while impaired or refusing to provide a breath sample, and
- using a vehicle in connection with criminal activity.
https://www.ontario.ca/page/motor-vehicle-accident-claims-fund