COMPLETING YOUR OCF-3 CERTIFICATE FOLLOWING A CAR ACCIDENT
If you have been injured in a motor vehicle accident, then you have access to Accident Benefits. There are a number of factors that come into play to determine the value of your claim and the type of benefits available to you. If you are making a claim for accident benefits, your insurance company may ask you for proof of your injuries and they will want to be informed of your progression and the status of your injuries throughout the way.
To that end, your insurance company will ask that you complete and submit a Disability Certificate known as the OCF-3. This document is very important, as once it is filed, the insurance company may rely on it at certain points throughout the claims process. The OCF-3 is probably the most important form you will have to complete, and our Accident Benefits specialists are happy to go through this form with you to ensure it is properly filled out.
FILL OUT THE FORM ASAP TO AVOID MISSING DEADLINES
Insurance companies require that you take quick action when applying for Accident Benefits. Insurance companies require that you notify them of an accident within 7 days, and further give you 30 days in which to complete this form and submit all of the paperwork. They provide you with notice that should you miss any deadlines, your Accident Benefits may be delayed.
Accident Benefits insurers have been relying on the governing legislation that allows insurers to avoid paying certain benefits, namely section 36(3) of the Statutory Accident Benefits Schedule which says that “An applicant who fails to submit a complete disability certificate is not entitled to a specified benefit for any period before the completed disability certificate is submitted”. While we may have many strong arguments as to why insurers must still pay the benefits even before the Disability Certificate is submitted, it is still best practice to get the OCF-3 submitted as quickly as possible.
It is important to note that, the second paragraph at the top of the first page of the OCF-3 notifies you that this form must be completed 10 days after the date of your application (meaning you must wait), and further if your insurer has requested a new OCF-3, it must be provided within 15 days of the request.
COMPLETE THE FORM PROPERLY AND SEEK THE HELP OF A MEDICAL PRACTITIONER
You are only required to complete the first 4 parts of this form, with the remaining portion to be filled out by a medical profession. It is the duty of the medical professional to provide details such as the onset of symptoms, medications, and other relevant information. It is important to be thorough with the medical professional about the extent of your pain and injuries.
When filling out the details of the accident, we suggest you seek legal advice. Often times, negative details are inserted into this spot which will affect your claim many times over. It is usually best to keep this section as short and simple as possible such as “passenger involved in motor vehicle collision”.
PART 4—UNDERSTAND YOUR RIGHTS BEFORE YOU SIGN
This part requires your signature and gives your medical provider and your insurer certain rights and access to certain, otherwise confidential, information. You should seek legal advice to make sure this form is properly filled out by you and your medical professional.
If you or a loved one has been injured in a motor vehicle accident, you should consult a lawyer immediately. An experienced and qualified personal injury lawyer and accident benefits specialist will be happy to inform you of your rights and provide a free no-obligation evaluation of your claim.
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