Does Your Ontario Car Insurance Protect You in a Bike Accident?

Most cyclists probably don’t think about the need for insurance in the event that they get into an accident with a motor vehicle.  In fact, it is very important to have the appropriate automobile insurance if you plan on cycling regularly.  Car insurance is what will protect you if you get into an accident.  This coverage may have to cover all damages related to the accident, including pain and suffering as well as lost wages.  For these reasons, you should ensure that you have the proper car insurance coverage that will protect you if you are injured in an accident with a motor vehicle.


It is important that you review your car insurance policy to ensure that you have the right kind of coverage, including accident family endorsement protection.  Don’t just assume that you have “full coverage”.  Carefully look over your insurance policy and speak with your car insurance provider to make sure that you have coverage in the event that you are in an accident with an automobile.  Two kinds of coverage are particularly important to have: liability coverage and statutory accident benefits or no-fault coverage.


Liability coverage insures you against any injuries or damages that you cause to another person while in an accident where you are at fault.  MostOntariodrivers have this kind of coverage and the law inOntariorequires drivers to have this coverage with only a minimum limit of $200,000 per accident.  This means that the at-fault driver’s insurance may not cover the cost of all of the injuries inflicted upon the cyclist, if the injuries were severe.  If you are injured as a cyclist, and the at-fault driver’s insurance does not cover the cost of your injuries, your car insurance policy becomes applicable.  For this reason, you want to make sure that you have proper coverage for situations like this.


Statutory accident benefits or no-fault coverage is mandatory for all Ontarians with car insurance.  This kind of coverage, also known as SABS or ABS, will cover lost wages and medical expenses, subject to specific limits.  These benefits are available regardless of whether or not you are responsible for the accident, as long as a motor vehicle was involved in the accident.  This kind of coverage means that you can receive immediate medical attention after the accident, without having to wait for the driver’s insurance company to accept liability.


Knowing your car insurance policy is important in order to ensure that you are properly protected in the event that you are injured in a motor vehicle accident while cycling.  If you have legal questions about your accident, feel free to contact the personal injury lawyers at Auger Hollingsworth.

Traumatic Brain Injury After a Bicycle Accident

While many Ottawa bicycle accidents result in minor injuries such as sprained wrists, road rash and scrapes and bruises, some cyclists can be seriously injured.  If a cyclist is in an accident with a motor vehicle they can sustain severe and potentially life-threatening injuries.  It is important to be aware of the potential serious injuries that can result from a cycling accident.  If anything, such knowledge can serve as an important reminder and motivation to wear a helmet and practice safe cycling techniques.

One of the most serious cycling injuries is traumatic brain injury.  Head injuries are often most severe if a cyclist was not wearing a helmet at the time of the accident; however, cyclists who do wear helmets are not necessarily 100% protected against head injuries.  Traumatic brain injury, or TBI, can have short-term and long-term effects.  Some of the more severe symptoms of TBI include amnesia, brain haemorrhaging, seizures and subdural hematomas. 

The Symptoms of Traumatic Brain Injury Are Varied

These injuries can seriously alter a person’s life and in some instances, individuals are not able to resume the same kind of work they did before the accident.  More minor forms of TBI often result in the person experiencing dizziness, blurred vision, short-term memory loss, attention loss, depression, and personality changes.

The physical damage caused by TBI can be severe and certainly life-altering, but there are other effects as well, such as the mental and emotional effect the injuries can have on a person’s friends and family.  Hospital stays, medical treatment and the overall stress of dealing with a serious injury can place strain on everyone who cares about the injured person.

Traumatic Brain Injury After an Ottawa Bike Accident

Many Traumatic Brain Injuries Are not Detected Immediately

One of the dangerous things about TBI is that is often goes unnoticed.  For this reason, if you are in a cycling accident it is best to immediately go to the hospital to receive medical care.  The doctors at the hospital will be able to do a full assessment and detect any signs and injuries that may indicate TBI.

If you are ever in the unfortunate situation where you are seriously injured in a bicycle accident, seek immediate medical attention.  In the event that you sustain a serious blow to the head, such medical attention can be life-saving.  If you find yourself needing legal expertise after your accident, the personal injury lawyers at Auger Hollingsworth would be happy to discuss your case with you.  Call us at 613 233-4529.

Ottawa Police Crack Down on various traffic violations

As a means to crackdown on impaired driving and to enforce safe cycling, this past June the Ottawa police ran a program called the Selective Traffic Enforcement Program.  This program involved an increased focus on enforcing safe driving and cycling and resulted in approximately 450 charges being laid.  Of these charges, 120 were for impaired driving, resulting in about 50 individuals being charged, many of them for multiple offences.  While this program aimed to target impaired drivers, other charges were also laid, such as those related to unpaid parking tickets and other offences unrelated to impaired driving.  These charges resulted in 86 people having their driver’s licences suspended.


The well-known R.I.D.E initiative was also part of this program.  Police randomly stopped over 2,000 vehicles to check for cases of impaired driving.  Three drivers were charges with impaired driving and 15 driver’s licence suspensions were issued.  This crackdown on impaired driving aimed to make people more aware of police presence on the roads and to draw attention to the seriousness of criminal offences.  It was also meant to act as a means to deter people from driving impaired in the future.


As criminal lawyers, we at Auger Hollingsworth often come across impaired driving cases.  These cases can be more complicated than one might think so if you have been charged with impaired driving, it would be wise to hire an experienced criminal defence lawyer.  We believe in keeping our roads safe and in enforcing the law, but we also believe that individuals charged with impaired driving deserve a good legal defence.  Impaired driving charges and a criminal record can have a lasting effect on a person’s life so hire a criminal defence lawyer who can defend your charges.

Do you need a lawyer after a bicycle accident in Ontario?

If you have been injured in an Ontario bicycle accident, you may want to consider hiring legal representation.  In many instances, injured cyclists are able to file a claim for the injuries they sustained in a bicycle-motor vehicle accident.  Filing a claim can be complicated so having the right lawyer can be a real help to your case.  Before you go through with filing a claim for your injuries, there are a few things you should know.  Having some basic knowledge of the process of filing a claim will help you know how to proceed with your case.


One of the things you should be aware of is that there is a designated time period where you can file a claim.  This is called the statute of limitations and it can vary depending on the circumstances of your particular case.  It is important to be aware of the statue of limitations that applies in your case because if it expires, you may not be able to pursue any legal action against the responsible party.  In order to find out the statute of limitations that applies in your case you should speak with a personal injury lawyer.


If you are looking to file a claim, you may be wondering from whom you might be able to receive compensation.  If in your accident, the driver of a motor vehicle was at fault, you can receive compensation from them and their insurance companies.  Contrary to what many people may think, you can bring forward a claim even if your accident did not involve a motor vehicle.  Many cycling accidents are caused by things other than motor vehicles and in some instances, individuals can file suit and receive compensation.  For example, if your injuries are due to a bicycle malfunction you may be able to receive compensation from the manufacturer or retailer of your bicycle.  Or, if your injuries are caused by unsafe roads or paths that the province or city is responsible for, you may be able to claim damages from them.


In order to understand how these issues apply to your particular case, contact a personal injury lawyer.  While this basic knowledge can help you understand the process of filing a claim a little better, nothing can replace one-on-one conversations with an experienced lawyer such as those at Auger Hollingsworth.

Spinal Cord Injury After an Ontario Bicycle Accident

One of the most serious injuries an Ottawa cyclist can sustain is spinal cord injury.  Like head trauma, damage to the spinal cord is severe and can certainly be life-altering.  Because the spinal cord is responsible for transmitting signals from the brain to the body, and vice-versa, damage to the spinal cord can have very serious and lasting effects on an individual’s health and their ability to function.  The most severe consequences of spinal cord injury involve permanent disability or paralysis of part of the body or the entire body.  The extent of the injury depends upon the location of the damage to the spinal cord. 

Some of the Symptoms of Spinal Cord Injury

A variety of symptoms accompany a spinal cord injury.  Some of the symptoms include numbness, loss of feeling, and loss of motor function in the area below the injury.  Because the spinal cord controls all of the nerves in a person’s’ body, the symptoms of spinal cord injuries usually have to do with sensation and movement of parts of the body near the site of injury.  The severity of these symptoms varies depending on the extent of the damage done to particular nerves.  It is possible to regain sensation or movement in areas that were once affected by nerve damage, but this is never a guarantee.

Ottawa Spinal Cord Injuries May Require Rehabilitation 

Individuals who suffer from spinal cord injury are often hospitalized and require intense medical treatment.  This often placed a burden on themselves and their friends and family.  It can be difficult emotionally and financially.  Because of the severity of the injuries, treatment for spinal cord injuries can take a long time and there are often recurring bouts of treatment, rehabilitation and other medical appointments.

Can A Personal Injury Lawyer Help? 

For these reasons, a personal injury lawyer can be very beneficial in this kind of situation.  It is important to enlist the help of a personal injury lawyer who can help you receive compensation for your injuries.  If you or a loved one has suffered a spinal cord injury, contact the personal injury lawyers at Auger Hollingsworth.  Call us at 613 233-4529 or use the contact form on the site. 

Fatal Bicycle Accidents in Ontario

While we like to think about bicycle riding as a fun and care-free activity, the reality is that some bicycle accidents are so severe that they result in the death of the cyclist.  In such cases, the individual’s family is entitled to make a fatality claim for their loss.  In many cases, cyclists are injured or killed due to the negligence and reckless actions of a driver.  In these instances, the cyclist’s family is entitled to file a lawsuit against the responsible party (the negligent driver).

If you have a loved one who was killed in a cycling accident, you may be entitled to some financial compensation.  Here are a few things you should know before you decide to pursue a wrongful death case.

There are time limits for filing a claim after a cyclist has died

Firstly, there is a limited time period after the bicycle fatality in which you can file a suit.  This is called the statue of limitations and it can vary depending on the details of the particular case.  Since the time period can vary, it is difficult to even give a range of time that you may have.  If you want to know the exact statue of limitation in your case, you should speak with a personal injury lawyer.

 The cyclist’s family may be entitled to insurance coverage

Statutory Accident Benefits, or SABS, which are mandatory for all Ontarians who have car insurance, provide some coverage for family members of someone killed in a cycling accident.  They offer specific death benefits for certain family members, such as a person’s spouse and their children.  Included in these benefits is a fixed amount available to cover the costs of a funeral.


Family members can also be eligible to receive compensation for monetary losses as a result of the death.  This can include medical bills and burial expenses.  This kind of compensation can also apply to any dependants of the deceased and they may be able to file a claim for the loss of part of the person’s salary and pension.  Compensation may also be available for things like the loss of care and companionship as well as travel expenses, nursing services and housekeeping services that were required.

Get Help  

If you have a loved one who died as a result of a cycling accident, you may be able to receive compensation for your loss.  While this does not make the situation easier to bear, it may ease some of the financial burden associated with the loss of a family member.  If you are looking for legal guidance during this difficult time, feel free to contact the personal injury lawyers at Auger Hollingsworth to discuss your case.  We can be reached at 613 233-4529.

Compensation after an Ottawa bike accident

If you have recently been injured in an Ottawa bicycle accident, you may be wondering what kinds of compensation you may be entitled to.  Many people believe that the only compensation you can receive is monetary reimbursement for medical expenses.  This is in fact, not the case.  There are a number of other kinds of damages for which you can make a claim and receive compensation.  The following will briefly describe some types of compensation that victims of bicycle accidents may be entitled to.

 There may be compensation for medical expenses after a bike accident

The first and perhaps more well-known kind of compensation is for medical expenses.  While many medical treatments are covered by OHIP some are not.  For example, physiotherapy and massage therapy are often recommend for people who have sustained injuries, but they are not covered by OHIP.  In addition, prescriptions, ambulance bills, and some medical equipment are not covered by OHIP either.  Some people may be covered by insurance provided through their employer, but even if that is the case, it may not cover 100% of your expenses.  All this being said, if you are seriously injured in an accident, do not hesitate to check yourself into a hospital for medical attention.  Don’t let the fear of medical expenses deter you from receiving the medical help you need.  Just make sure to keep a complete record of your medical expenses so that you are ready with any records you may need if you decide to file a lawsuit.

 Sometimes there is compensation available for lost wages

Another kind of compensation is for wage and income loss.  This kind of compensation can vary depending on the extent of your injuries and the impact they have on your ability to work.  For example, if your injuries prevent you from working for more than one week, you will be entitled to be reimbursed for your lost wages up to a pre-determined amount per week.  On the other hand, if your injuries render you unable to work at your existing job or if you have to find work in a different field where you will be paid less, you may be able to claim damages due to the reduction in future earning capacity.  This can include compensation for salary as well as for any bonuses, commissions and health benefits you may have received.

Compensation for Pain and Suffering After a Bike Accident in Ontario

 If your injuries are so severe that you have suffered permanent scarring or other kind of disfigurement, you may be entitled to compensation.  Severe disfigurement, particularly in children, can lead to lasting emotional and psychological damage.  These kinds of damages are often taken into consideration in determining compensation.

 Lastly, you may also be able to receive compensation for pain and suffering.  This includes physical as well as psychological and emotional suffering.  In order to receive this kind of compensation your injuries need to meet certain criteria, or a legal “threshold”.  A personal injury lawyer will be able to assess your case and tell you if you meet the necessary criteria.

Next Step?

Contact an experienced personal injury lawyer to see if you have a case for any of the compensation outlined.  Call Auger Hollingsworth at 613 233-4529.

Should I hire a personal injury lawyer for my Ontario bicycle accident case?

Some Ottawa bicycle accidents are minor, resulting in a few scrapes and bruises.  In these cases, there is generally no reason to pursue legal action.  However, if your injuries are serious and have the potential to cost you thousands of dollars, you should seriously think about hiring a personal injury lawyer.  It can be difficult and overwhelming to handle your case on your own.  There is a lot of legal jargon involved and the process can be confusing to those who are not familiar with the legal system.  Insurance companies can also be difficult to deal with so working with someone who has experience in dealing with insurance companies can be very useful.


Without knowing the specific details of your particular case, it is impossible to say if you need a lawyer or not.  That being said, there are a few things you can consider about the benefits of hiring a personal injury lawyer to handle your case.


The personal injury lawyers at Auger Hollingsworth provide a wide array of services for their clients.  We conduct an initial interview to learn the details of the claim and to educate the client about the process of filing a suit.  We also gather all necessary records, documents such as medical and police report, as well as witness statements to support the claim.  We also help our clients locate the resources that can help them with their recovery, such as local, provincial and federal assistance programs.


One of the most difficult parts of the process can be conversations with the insurance adjuster.  We conduct negotiations with the insurance company so that our clients don’t have to.  In the event that the case goes to trial, we full prepare everything we will need for court and prepare our client for the process of going to trial.  Depending on the nature of the case, we often hire experts who can support our claim.


This is what we generally offer all of our clients, but the details of your case determine the exact nature of the services we will provide for you.  Because every bicycle accident case is different, we tailor our services to the particular needs of each claim.  Also, it is good for you to know the kinds of things that a personal injury lawyer should do for you, as you look into hiring the lawyer who is right for you.  Make sure that you hire a lawyer who is experienced in the field of personal injury and who has achieved positive results for clients in the past.