If you are a driver and have an insurance policy, which is required by law to get behind the wheel, it is recommended that you be aware of the scope of your coverage, as you will need it when you are involved in an automobile accident. For this we suggest that you contact the ‘broker’ with whom you bought your policy and thus have a clear idea at the time of filing your claim. Our recommendation is that if you have coverage for 'third party', that is, for third parties, ask if you can buy the optional ones, which are alternative expenses that at a certain point can become essential, such as maintenance and cleaning of your house or apartment, payment for nursing home care, child care or Care Giver. An automobile accident has three claim areas: 1.- Personal loss, (personal losses) that include damage to the car and its contents at the time of the accident. 2.- Accident Bennefits, (Accident benefits) which include the aforementioned plus for rehabilitation, child care, nursing care, income replacement or salary. In case you are not working there is a weekly coverage to which you would be entitled. 3.- TORT: pain and suffering, which means personal damage that is a benefit for payment to replace the loss of enjoyment of normal life without pain and suffering, due to the car accident. In addition, the Tort includes the loss of Competitive Advantage, which means the loss of the ability to compete for a job promotion, since being injured he cannot fulfill his job responsibilities as he normally would, having a great disadvantage at the time of presenting a possibility of ascent. It also includes the loss of income, since what is not paid in the Accident Bennefit area they cover the difference. In addition, it would include other expenses incurred out of pocket, as a result of the automobile accident. For any questions you can call me at 416 4356123 or 647 8260610. LIC. Raul Martinez Direct Phone 416-435-6123 rmartinez@pacelawfirm.com