After a Motor Vehicle Accident

After a collision, dealing with paperwork, insurance adjusters and medical appointments can feel overwhelming. We guide you through the claims process and help you pursue the compensation you may be entitled to if your accident occurred in York Region, Toronto or the GTA, including Markham, Richmond Hill, Vaughan, Aurora and Newmarket. We also serve clients throughout Durham Region, Peel Region and Simcoe County.

After an accident in Ontario, you may be able to claim compensation from:

• Your own insurance company
• The insurer of the vehicle you were travelling in, if you were a passenger
• The insurance company of another vehicle involved

We determine which insurer is responsible and communicate with them directly on your behalf.

You May Have Two Separate Claims

Many injured people do not realize they may be able to pursue two different claims at the same time:

1. Accident Benefits Claim (No-Fault Insurance)
2. Tort Claim (Against the At-Fault Driver)

Each claim covers different losses. We help you pursue both where appropriate so you receive the benefits and compensation available to you.

Your Accident Benefits Claim (No-Fault Insurance)

Accident benefits may be available regardless of who caused the collision. These benefits can help cover treatment, rehabilitation, care and income support while you recover.

The Minor Injury Guideline (MIG)

Insurance companies may classify certain injuries under the Minor Injury Guideline, which generally limits treatment funding to $3,500.

Not every injury belongs in this category.

With appropriate medical evidence, eligible medical and rehabilitation benefits outside the MIG may be available up to $65,000. We work with qualified medical professionals to document your injuries and challenge an improper classification where appropriate.

Do not rely solely on the insurer’s assessment. Legal advice can help you understand the benefits available to you.

Catastrophic Injury Claims (CAT)

Some accidents result in life-changing physical or psychological injuries. If an injury qualifies as catastrophic, benefits may increase significantly, including up to $1,000,000 in medical, rehabilitation and attendant care benefits.

These claims require extensive medical evidence. We work with specialists, rehabilitation professionals and care experts to help document your injuries and long-term needs.

Insurance companies may dispute catastrophic designations, making experienced legal representation important.

Your Tort Claim (Against the At-Fault Driver)

If another driver’s negligence caused your accident, you may also be able to pursue a claim against the at-fault driver in addition to receiving accident benefits.

A tort claim may provide compensation for:

• Pain and suffering
• Lost income and reduced earning ability
• Lost educational or career opportunities
• Housekeeping and home assistance
• Out-of-pocket expenses not covered by insurance

Ontario law includes specific thresholds and time limits, which is why getting legal advice early can be important.

Speak With an Ontario Car Accident Lawyer

Car accident claims involve deadlines, insurance rules and potentially significant financial consequences. Early legal advice can help protect your rights and preserve important evidence.

Free Consultation

If you or a loved one was injured in a motor vehicle accident, or your insurance claim has been denied, getting legal advice early can help protect your rights.

Contact The Personal Injury Lawyer to discuss your accident benefits or tort claim. We serve clients throughout York Region, Toronto and the GTA, including Markham, Richmond Hill, Vaughan, Aurora and Newmarket, as well as Durham Region, Peel Region and Simcoe County.