I was involved in a vehicle roll-over in July 2010. I received treatment although told I was ineligible for income replacements as I was not working at the time. Later found out by seeing a lawyer in Trenton (Bonn Law) that UIC was a taxable income and I WAS eligible and owed, but my insurance company didn’t change their mind.
My family MD wrote and faxed a letter to the insurance company that he knew that income replacement was owing to me and should they not starting paying me he would move onto the next level. (2012). By the end of the week I received a registered letter, regular mail letter and phone call that they had found an oversight and I was eligible and sent me a cheque for 80% of UIC (JAN-JUNE) and would continue paying me every 2 weeks there after.
August 2012 I received a purolator letter, registered letter at PO that in the insurance companies professional opinion as a surgeon there was nothing wrong with me – all treatment and income was stopped. After that I had gone to KOI Pain Clinic in Kingston to have nerve block injections done to relieve the pain. I was seen by my MD referral – Chief Nero-Surgeon who said 3 minutes into appointment who had looked at my MRI and stated there was nothing wrong with me?
I had severe lower spinal damage that needed immediate surgery as my vertebrae were pushed into my spinal nerves, causing my legs and feet to go to sleep w/o taking meds. Surgery (2.5hrs) KGN Sept 25, 2013 Surgeon had requested that I receive physio treatment and aqua fitness to RE-strengthen my core (muscles around spine). Insurance company did nothing. I hired a Toronto Lawyer as I can no longer deal with the stress this is causing me.
I sold my car and paid for aqua-fitness myself. Physio was paid by my spouses employer insurance coverage (percentage) … Lawyer had treatment and income replacement re-instated on date of surgery from new information (surgery). Surgeon had said it was a very common injury/area in ROLL-OVER accidents – all that he has seen or repaired; such as mine.
Ladies and Gents … it’s a money game All of the ‘laws’ and other information pertaining to the VICTIMS of MVA (Motor Vehicle Accidents) are not readily available – Insurance company adjuster will not even talk with me now-must be lawyer – so be it. Lesson Learned-If EVER in accident-let the professionals do their job (ambulance) and have your spouse/partner/family contact a lawyer ASAP that deals with personal injury. Cover Your Assets