Four Common Misconceptions About Ontario Personal Injury Lawsuits

Posted On December 15, 2022

A lot of misconceptions surround personal injury lawsuits in Ontario that make people decide not to file claims. These misconceptions circulate online and in social circles, leaving injured victims of negligent parties thinking that they don’t deserve compensation. However, if you are one of these victims, you should not immediately believe what you read or hear about personal injury claims. The best thing you can do is to consult with an Ontario injury lawyer as soon as possible. The following are common misconceptions about personal injury claims you must ignore:

Your Insurance Takes Care of All Accident-Related Costs

Injuries that occur due to an accident are quite common. However, insurance providers only cover about 50% of the costs related to an accident. Accident victims may need to take care of some of the damages sustained out of pocket. Depending on how serious the accident was, the cost can add up quickly. Also, if it was a car accident, the victim’s insurance rate can increase. This provides victims with lots of reasons to file an injury claim.

Filing an Injury Lawsuit Signify Greed

Typically, a lot of people do not file a claim because of this perception. However, if your injury and accident resulted from the negligence of another party, requiring coverage for your medical expenses and sustaining property damage are not greedy. Filing a lawsuit against the party that caused your injuries is essential, so they can be held responsible for their actions. Also, seeking justice for the injuries and property damage you suffered may mitigate such damages to other people in the future. 

It Takes a Long Time to Resolve a Personal Injury Lawsuit

Personal injury lawsuits are not made equal. Thus, there is no way to know how much time it takes to process a claim. Some cases are more complicated than others and can take years. Others are straightforward and can take just a shorter amount of time. The majority of personal injury lawsuits are settled outside of court, and victims get the compensation they deserve through negotiations.

The At-Fault Party Should Pay Out of Pocket

A lot of accident victims do not file claims against the negligent party as they think this party will pay for their damages out of pocket. However, the truth is that the negligent party’s insurance company will pay the compensation and settlement. Your attorney will negotiate a claim settlement with the other party’s insurer. And until this party pays a certain amount, you will have to pay for your medical expenses out of pocket or using your health insurance.