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All automobile policies in Ontario include statutory accident benefits coverage. The accident benefits you are entitled to following a motor vehicle accident injury, even if the accident was your fault, may include:

  • Income replacement
  • Non-earner benefit
  • Caregiver benefit
  • Housekeeping benefit
  • Attendant care benefit
  • Medical and rehabilitation expenses

Even though your insurance company, or the insurance company which insured  the vehicle you were travelling in, or which caused the accident owes you these benefits, they will routinely attempt to deny payment. In order to ensure you receive the benefits you are owed, you will need  to deal with complex laws which the insurance company won’t explain to you. Accident victims are sometimes lead to believe that the benefits claim process is simple so that they don’t obtain legal assistance, but insurance companies will use people’s lack of understanding against them and deny their claims.

Accident benefits: critical timelines

  • 7 days

         To notify your insurer of your intention to apply for accident benefits

  • 30 days

         To submit your Accident Benefits Application Package

  • 2 years from denial

         To challenge an insurers denial of any benefits


Don’t delay! Contact us today so we can preserve your legal rights.