Personal Injury Heroes: Meet your Mental Health Practitioners

After an accident or major injury, your life can be turned upside down. Dramatic changes in activity level, stress, and your ability to perform daily tasks will all take     a toll on your mental health. On your way to recovery, you’ll probably work with different types of mental health practitioners. Here we explain their different roles, and how they will help you reach recovery.

Psychiatrist

A psychiatrist is a doctor who specializes in mental health. A psychiatrist prescribes treatments based on medical needs such as medication prescriptions for disorders and referrals to other mental health professionals.

Am I covered in Ontario? Treatments from a psychiatrist are covered under OHIP.

Psychologist

A psychologist evaluates, diagnoses, and treats behaviours and mental processes. Psychologists focus on talking through issues and coming up with strategies. The main difference between a psychiatrist and a psychologist is a psychologist’s focus on behaviour.

Am I covered in Ontario? Psychologists are not covered under OHIP but are covered under accident benefits.

Neuropsychologist

A neuropsychologist studies the brain as it relates to behaviour and mental processes. Brain injuries can have an impact on behaviour. A neuropsychologist focuses on cognitive functioning and the psychological role in recovery.

Am I covered in Ontario? Neuropsychologists are not usually covered under OHIP, but are covered under accident benefits.

Get the free Auger Hollingsworth Minding Mental Health Guide today by signing up for our Recovery Newsletter.

Not getting the resources you require to recover, or have questions about an accident you were in? Contact the team at Auger Hollingsworth for a free, no-obligation consultation at 613-233-4529. 

The Risks of Letting Someone Borrow Your Car in Ontario

Letting someone borrow your car can have massive consequences. Before you ever lend out your vehicle, whether to a friend or a family member, it is important to know the full extent of what you are putting at stake.

Insurance Follows the Vehicle

As a rule of thumb, insurance follows the vehicle, not the driver. This means that as the owner of the vehicle, you are responsible for who drives your car, and are legally responsible for any negligence.

Regular Drivers

The major issue is if you are letting someone borrow your car on a more regular basis.  If this is the case, then your car insurance company can refuse to cover if they are in an accident and if you didn’t let them know there was another driver on the vehicle. Every single extra driver changes the level of risk. For this reason, if you’re letting someone regularly borrow your car, it’s very important that let your insurance company know. Insurance is not an area where you want to cut costs – it will backfire!

New Drivers

There are many regulations in place to make sure that new drivers (and those on the road with them) stay safe. One of the major issues that we’ve covered on the blog is young drivers and alcohol.

If you suspect that your under-21 or G2 driver will be having any alcohol at all do not let them borrow your car. This of course is the case with drivers of any age and experience level, but be especially careful with young adults. If they have any alcohol at all and are in an accident with your vehicle you are held responsible and it is your insurance coverage that plummets.

Furthermore, if someone is seriously injured and your insurance coverage drops, then your personal assets are suddenly stake.

Overall, here’s what you need to know:

  • Always add regular drivers to your insurance
  • If you suspect someone will be drinking don’t let them borrow your car
  • Let your young adult know the full consequences of their actions
  •  When in doubt, don’t lend it out!

Have questions about an accident? Call a personal injury lawyer such as the team at Auger Hollingsworth at 613-233-4529 or request our book Injured Victim’s Guide to Fair Compensation.

Common Mental Health Conditions After an Accident or Injury

Getting injured in a car accident is a life-changing event that can have a major impact on your mental health. Here are the effects our personal injury clients experience most often.

Post Traumatic Stress Disorder (PTSD)

PTSD is an anxiety disorder where someone relives a traumatic or life-threatening event even after it has passed. People who have PTSD generally suffer from anxiety, nightmares and flashbacks. At its worst, even small reminders of the event can cause extreme anxiety. PTSD is often treated with medication for depression and anxiety. Another common treatment is cognitive-behaviour therapy provided by a psychologist.

PTSD affects roughly 1 out of 10 people.

Depression

After an injury it’s normal to not feel like your self, but if you find yourself feeling a deep despair over a longer period of time, ask your doctor about it. People with depression often lose interest in things they would have previously enjoyed. When left untreated, depression can become disabling.

Acquired Brain Injury

An Acquired Brain Injury is a brain injury that has occurred after birth because of a trauma. Acquired brain injuries are not genetic or congenital and are instead a result of an accident or environment.

Symptoms include:

  • Coma
  • Cognitive Impairment
  • Language and Speech Impairment
  • Memory Loss and Impairment
  • Conduct Disorder
  • Personality Disorder
  • Loss of Concentration
  • Loss of Problem Solving Skills
  • Perception Problems
  • Sleep Disturbance
  • Headaches
  • Blurred Vision
  • Seizures

If you notice any of the symptoms of PTSD, depression, or acquired brain injury in yourself or a loved one, it might be time to ask your doctor about mental health.

Get the free Auger Hollingsworth Minding Mental Health Guide today by signing up for our Recovery Newsletter.

Not getting the resources you require to recover, or have questions about an accident you were in? Contact the team at Auger Hollingsworth for a free, no-obligation consultation at 613-233-4529. 

The Ontario Government is Proposing Legislation that Will Hurt Accident Victims

Let them know this is not okay!

What is being proposed? The Ontario government is planning on lowering the interest rate that insurance companies have to pay on your pain and suffering.

How will this affect me? The proposal will have a huge impact on accident victims. The current interest rates encourage insurers to settle cases in a timely manner. If insurers don’t feel the need to move quickly they will drag the process out. This means that they get to bank the money and accident victims have to wait even longer for their compensation.

Act now – Don’t let this happen!

STEP ONE – Copy Our Template Letter

Dear MPP,

As a citizen in your riding, I am writing to express my concerns with the proposed changes to lower prejudgment interest rates on general damages in motor vehicle accident claims. It is my belief that lowering the interest rate will be a gift to insurance companies at the expense of innocent, injured accident victims.

Prejudgment interest rates currently provide incentive for insurers to settle in a timely manner. With the interest rates lowered, there will be little incentive to deal quickly with claims for pain and suffering. Instead, they will bank the money for as long as possible, and leave injured accident victims without the resources they need to recover. Ultimately, this change would let insurance companies delay justice to innocent accident victims in order to fuel further profit.

As one of your constituents, it is my suggestion that you adopt a firm position against lowering the prejudgment interest rates on general damages in motor vehicle accident claims, and that you make a responsible decision as to whether the proposed changes are in the interest of the citizenry or in the interest of big corporations.

Thank you for your time and consideration.

Sincerely,

STEP TWO – Find Your MPP Below

Personalize your email and add in your MPP for your area.

 

District MPP Email  
Ottawa Centre Yasir Naqvi [email protected]  
Ottawa Orléans Phil McNeely [email protected]  
Ottawa South John Fraser [email protected]  
Ottawa West Nepean Hon. Bob Chiarelli [email protected]  
Ottawa Vanier Hon. Madeleine Meilleur [email protected]  
Nepean Carleton Lisa MacLeod [email protected]  
Renfrew Nipissing Pembroke John Yakabuski [email protected]  
Carleton Mississippi Mills Jack MacLaren [email protected]  
Leeds Grenville Steve Clark [email protected]  
Lanark Frontenac Lennox and Addington Randy Hillier [email protected]  

STEP THREE – Sign your name and send it off!