Car accidents are one of the most common causes of personal injury claims, with approximately 180,000 reported crashes across Canada each year. Navigating the claims process can be overwhelming, and without proper legal guidance, you may not receive the full compensation you deserve. If you’ve been injured in a car accident, our experienced Toronto car accident lawyers are here to help you understand your rights and secure the compensation you need for your recovery.

Understanding Car Accident Claims in Ontario

Ontario follows a no-fault insurance system, meaning that accident victims can claim compensation through their own insurance provider, regardless of fault. However, in certain cases, you may also have the right to pursue additional compensation from the at-fault driver. There are two primary legal avenues for car accident claims:

1. Accident Benefits (Insurance Claim)

This claim must be submitted within 30 days of your accident. Accident benefits help cover expenses such as:

• Lost income – Up to $400 per week if you can’t work (more if you have optional coverage).
• Medical & rehab costs – Pays for treatments not covered by OHIP.
• Caregiver support – If you take care of a family member and can’t continue due to your injury.
• Attendant care – Helps cover the cost of hiring a caregiver.
• Household & home maintenance costs – If your injury prevents you from handling daily tasks.
• Death & funeral benefits – Support for families if a loved one is lost in an accident.

The amount you can receive depends on how serious your injuries are:

• Minor injuries – Up to $3,500.
• Serious injuries – Up to $50,000.
• Catastrophic injuries – Up to $1 million for severe cases like brain injuries or paralysis.

2. Lawsuit Against the At-Fault Driver (Tort Claim)

If your injuries are serious and life-changing, you may be able to sue the at-fault driver for more compensation. This can help cover:

• Pain and suffering – Compensation for physical and emotional distress.
• Medical expenses – If your injury requires ongoing treatment.
• Lost wages & future income – If you’re unable to work due to the accident.
• Family claims – If a loved one is injured or passes away in the accident.
• Housekeeping & home maintenance – If your injuries prevent you from keeping up with daily tasks.

How Fault is Determined in Ontario

Insurance companies follow Fault Determination Rules to decide who is responsible for an accident. The at-fault driver can be fully or partially responsible, which affects how much compensation you can claim. If you disagree with the decision, our legal team can challenge it on your behalf.

Time Limits for Filing a Claim

• Accident Benefits Claim – Must be filed within 30 days of the accident.
• Lawsuit (Tort Claim) – You must notify the at-fault driver within 120 days and file your claim within 2 years.

Let Us Help You Get the Compensation You Deserve

Dealing with a car accident can be overwhelming, but you don’t have to go through it alone. Our legal team is ready to guide you through the process and fight for the compensation you deserve.

📞 Contact us today for a free consultation! 416 -800-1535