Injured in a car accident?
The insurer has a team.
Now so do you.
We deal with the insurer, the forms and the deadlines. You focus on getting better.
- No fees unless you are compensated
- At fault? You can still claim benefits
- Licensed paralegal, LSO #P21370
- We work only on car accident claims
Naira speaks: English · Русский · Українська · Հայերեն
Two questions, and we'll tell you what matters for your situation
No name, no phone number.
Question 1 of 2
Where were you when the accident happened?
Question 2 of 2
When did it happen?
Your exact dates
Enter the date of the accident. These deadlines apply in Ontario whether or not you were at fault.
Day 7
-
Enter a date above
Tell your insurer you plan to make a claim
Missing this date usually doesn't end your claim, but you'll need a good reason for being late.
30 days after receiving your Accident Benefits package
Add the date the forms arrived
Submit your Accident Benefits application (the OCF-1 form). The 30-day period starts when your insurer sends you the form, not on the day of the accident.
Missing this date usually doesn't end your claim, but you'll need a good reason for being late.
2 years
-
Enter a date above
Last day you can start a lawsuit against the at-fault party for your injuries
This one is strict. Missing it may affect your right to sue.
This is a general guide based on standard Ontario deadlines, not legal advice for your specific case. Not knowing about a deadline is rarely accepted as a valid reason for missing it. Note: the 30-day OCF-1 deadline is not tied to the accident date. It starts only once your insurer sends you the application forms. Source: FSRA, Ontario's insurance regulator.
Why people trust Naira
"My Legal Expertise and PhD in Psychology give me a distinct ability to understand injuries, expose overlooked evidence, and fight relentlessly for every benefit and compensation my clients deserve."
Naira Velumyan · Licensed Paralegal
Free Case Review
If the accident just happened, do this first
Five steps that can help protect your claim, whatever your situation.
01
Collect evidence: take photos, exchange driver information, and get witness details.
02
Call the police; if they don't attend, go to a Collision Reporting Centre.
03
Notify your insurer of the accident as soon as possible.
04
Get medical attention, even if you feel fine.
05
Contact us to understand your rights and next steps.
* Don't share more detail than necessary with anyone else, including the other driver's insurer.
Check your exact deadlines ↑Everything the claim requires, off your plate
We handle the paperwork
Every form, every deadline, done for you.
We deal with the insurer
We negotiate with the insurer so you don't have to.
We fight unfair denials
If a claim is wrongly refused, we push back.
We build your case properly
Medical records and evidence, organized from day one.
From minor injuries to complex claims
VIA Legal represents clients in Accident Benefits claims, including those under the Minor Injury Guideline (MIG). For cases involving potential catastrophic impairment (CAT), we collaborate with experienced personal injury lawyers to provide clients with comprehensive legal representation.
Want all of this handled for you? Nothing to pay unless we win.
Hand my claim to VIA LegalTalking to a few firms before you decide? Fair. Here's what's worth asking any of them.
Including us.
✓
How do you charge, and is anything due upfront?
Nothing upfront and nothing while we work. You pay a percentage only if we win.
✓
What's your licence number with the Law Society of Ontario?
Ours is P21370. You can look up any lawyer or paralegal in Ontario in seconds on the public register.
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Do you focus specifically on car accident claims?
Yes. Ontario car accident claims are all we do: Accident Benefits, disputes with insurers and the LAT.
Read this before you call the insurer
Short, plain-language guides by Naira Velumyan, Licensed Paralegal.
Which insurance company pays your Accident Benefits?The order of insurers for drivers, passengers, pedestrians and cyclists, including hit-and-run cases.Read the guide
How to apply: the deadlines, step by stepThe 7-day notice, the 30-day OCF-1 and the forms that follow.Read the guide
Accident Benefits denied? What to do nextHow to read the denial, the 2-year limit and how a LAT dispute works.Read the guide
Paralegal or lawyer: who handles whatAccident Benefits and LAT disputes, or a lawsuit against the at-fault driver.Read the guide
What changed on July 1, 2026Which benefits became optional, and who the change affects most.Read the guide
Missed a deadline? Late claimsWhat happens if you missed the 7-day or 30-day deadline, and what can still be done.Read the guide
The insurer booked an examinationWhat an insurer examination (IE) is, how to prepare and what if you miss it.Read the guide
All guidesEvery article on Ontario Accident Benefits, in plain language.See all
What people ask us first
What if I was at fault, or partly at fault?+
Ontario's no-fault system means you can still claim Accident Benefits regardless of who caused the crash.
What if the insurance company has already contacted me?+
You're not required to give a detailed or recorded statement right away. It's worth talking to us before you respond.
What if I don't have any visible injuries?+
Psychological and soft-tissue injuries can also qualify for Accident Benefits, even when there are no visible physical injuries. Some injuries also appear only days or weeks after the accident.
Do I need permanent status to make a claim?+
No. In Ontario, you do not require permanent residency or citizenship to make a claim.
I don't speak English well. Can you still help me?+
Yes. We work with clients in English, Russian, Ukrainian and Armenian.
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