Ontario Injury Law, in Plain Language
Written for people dealing with a claim rather than for other lawyers. Every figure on these pages carries the statute it comes from.
The 2026 changes
What changed on July 1, 2026 and who it affects.
Ontario Changed Accident Benefits on July 1, 2026. Here Is What You Lost.
Three benefits most drivers assumed were automatic are now things you have to buy. If they were not purchased, they are not there.
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Were You Hurt Before July 1, 2026? Your Claim Follows the Old Rules.
A rule change does not reach backwards. If your collision predates July 2026, most of what you have read about the new system does not describe your claim.
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Pedestrians and Cyclists Lost the Most in the 2026 Benefit Changes
The people with no policy of their own are the people with the least left after July 2026, and they are the ones most likely to be seriously hurt.
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How to Find Out What Your Policy Actually Bought
Ten minutes with your declaration page now is worth more than any advice you will get after a collision.
Read moreDeadlines
The dates that quietly end Ontario claims.
How Long Do You Have to Sue in Ontario? The Deadlines That Actually End Claims
Everyone knows about the two years. Almost nobody knows about the ten days, and the ten days is what ends claims.
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You May Have 10 Days: The Notice Rule That Kills Slip and Fall Claims
The deadline that ends most slip and fall claims arrives while the injured person is still deciding whether to see a doctor.
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Injured as a Child in Ontario? The Clock Has Not Started.
The law gives an injured child time. It does not give their evidence time.
Read moreDealing with insurers
How claims are actually handled on the other side.
Why the First Settlement Offer Always Arrives Early
An offer made before anyone knows how badly you are hurt is priced on that uncertainty, and the uncertainty is not working for you.
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The Minor Injury Guideline: How a Category Decides Your Treatment
A category assigned by an adjuster, often within weeks, can decide how much treatment you get for the next five years.
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You Are Being Watched: Surveillance in Ontario Injury Claims
Surveillance captures a few minutes of a person's week and is presented as though it captured their life.
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The Independent Medical Examination Is Not Independent
The assessor is selected by the insurer, paid by the insurer, and sends the report to the insurer. Independent is doing a lot of work in that name.
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Accident Benefits Denied in Ontario? The LAT Is Where You Fight Back.
A denial letter from your own insurer is not the final word. In Ontario, denied accident benefits are disputed at the Licence Appeal Tribunal, and a denial can be overturned when it is properly challenged with medical evidence.
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Should You Give a Recorded Statement to an Insurance Adjuster in Ontario?
The adjuster's request for a recorded statement sounds routine. Whether you should agree depends entirely on which insurer is calling, and on when.
Read moreMoney
What reaches you, and what pays the bills meanwhile.
The Deductible Nobody Tells You About
A jury awards a number. Then the law quietly removes tens of thousands from it before you see anything.
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What Is My Claim Worth? Why No Honest Lawyer Answers That on Day One
The number depends on facts nobody has yet, and anyone who gives you one before those facts exist is selling a retainer.
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Who Pays the Bills While an Injury Claim Runs?
The claim is not what pays your rent this month. Knowing what does is the difference between settling well and settling early.
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The LTD Change of Definition: Why Benefits Get Cut Off Mid-Claim in Ontario
Your claim was approved and the payments arrived on schedule. Then a letter says the definition of disability is changing and your benefits are under review. That switch is written into your policy, and you can prepare for it.
Read moreAfter an injury
Practical steps for specific situations.
What to Do in the First 48 Hours After a Car Accident in Ontario
The two days after a collision decide more about a claim than any month that follows.
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Ontario Accident Benefits: What You Can Actually Claim After a Crash
Accident benefits are the part of the system that funds your recovery, and the part most people file wrongly.
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Why Long-Term Disability Claims Get Denied, and How to Fight Back
Benefits usually stop at two years for a reason that has nothing to do with your health.
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Partly at Fault in an Ontario Collision? You May Still Have a Claim.
People talk themselves out of valid claims because they think being partly responsible ends the matter. In Ontario it does not.
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Hit and Run or Uninsured Driver in Ontario? You Likely Still Have a Claim.
The driver who hit you fled, or had no insurance. It feels like a dead end. Ontario built layered coverage for exactly this situation, and most people do not know it exists.
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Bitten by a Dog in Ontario? The Owner Is Liable, Even on a First Bite.
Ontario does not give dog owners a free first bite. Liability is strict, and the practical steps you take in the first hours decide how strong the claim is.
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Injured as a Passenger in an Ontario Collision? You Can Claim, Even Against Someone You Know.
Passengers hold back from claiming because the at-fault driver is often a friend or family member. The claim is against the insurance policy, which is exactly what it exists for.
Read moreYour fight becomes ours the day you call us.
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