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Who was hurt
A driver A passenger A cyclist A pedestrian Denied claim? FAQArticles

Hurt in a car accident?
The insurer has a team.
Now so do you.

We handle the forms, the deadlines and the insurer while you focus on getting better. In Ontario you can claim even if the crash was your fault.

Get My Free Case Review Call (647) 460-3430
  • Licensed paralegal, LSO #P21370
  • No fees unless you're compensated
  • We usually reply the same business day
Naira Velumyan
Naira Velumyan, Licensed Paralegal
She handles your file personally.
English · Русский · Українська · Հայերեն
Naira Velumyan, Licensed Paralegal
Start here

Two questions, and we'll tell you what matters for your situation

No name, no phone number. This takes about ten seconds.

QUESTION 1 OF 2
Where were you when the accident happened?
QUESTION 2 OF 2
When did it happen?
Naira leading a kintsugi workshop for newcomers in Toronto. Kintsugi is the Japanese art of mending broken pottery with gold, so the repair becomes part of the story.
Why people trust Naira
"Before entering law, I trained as a psychotherapist supporting people recovering from trauma. That's the lens I bring to every case."
Naira Velumyan · Licensed Paralegal · PhD in Psychology · More about Naira
Free Case Review
Right now

If the accident just happened, do this first

Five steps that can help protect your claim, whatever your situation.

01
Collect evidence: take photos, and get contact details and statements from any witnesses.
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.

Work out your exact deadlines ↑
How we help

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.

Want all of this handled for you? Nothing to pay unless we win.

Hand my claim to VIA Legal
Comparing your options

Talking to a few firms before you decide? Fair. Here's what's worth asking any of them.

Including us.

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How do you charge, and is anything due upfront?
Nothing upfront and nothing while we work. You pay a percentage only if we win.
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What's your license 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 accident benefits and injury claims?
Yes. Our practice is dedicated to Ontario car accident claims: accident benefits, disputes with insurers, and Licence Appeal Tribunal (LAT) matters.

Ask us these questions yourself, on a free call.

Call (647) 460-3430Or write to us
Guides

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.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 →
Common questions

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.
More questions, answered →

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