If you have been in a car accident and need a lawyer it is usually because you or a family member has been injured. For that reason, Car Accident Law is often seen as a subspecialty of Personal Injury Law.
Ontario has so-called no-fault insurance but that doesn’t mean you shouldn’t consult a lawyer if you are involved in an accident. No-fault insurance in Ontario simply means that your insurance company must pay out all claims for which you are entitled to be compensated by your auto insurance policy without regard for whether or not you caused the accident.
However, if the payout from your own insurance company is not sufficient to cover all your losses (large medical bills, rehabilitation costs, lost pay from missing work, etc.), you can still sue the other driver involved in the accident. If this describes your situation, you very definitely will need a Car Accident Lawyer as soon as you are able to contact one. You should do so even if you believe you caused the accident. The question of fault is not black and white. You and the other driver may each be found to have been partially in the wrong with the result that you may be able to recover at least part of the losses your own insurance policy did not cover. These difficult questions of fault are one area where you will find your Car Accident Lawyer’s assistance particularly beneficial.
Although the law in Ontario requires your insurance company to pay your claims whether or not you are at fault in a car accident, the question of fault remains important because your insurance premiums will go up if your insurance company decides you caused the accident. If this is your situation, you may be able to challenge your insurance company’s decision, but you should consult with a lawyer before doing so. Most Car Accident Lawyers can advise you about dealing with your insurance company in this type of situation, but you can also consider speaking with a lawyer who specializes in Insurance Law.