Car accident claims in Ontario, explained
Plain-language guides to accident benefits, deadlines and the July 2026 changes, by Naira Velumyan, Licensed Paralegal.
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The Insurer Wants You to See Their Doctor. What an Insurer Examination Means for Your Accident Benefits
What the insurer's notice must say, what happens if you do not attend, and how to prepare for the appointment.
Missed the Deadline? Late Accident Benefits Claims in Ontario
Missed the 7-day or 30-day deadline? A late claim is not automatically lost. What counts as a reasonable explanation and what to do now.
Paralegal or Lawyer After a Car Accident in Ontario? Who Handles What
Accident benefits and LAT disputes, or a lawsuit against the at-fault driver: which claim a licensed paralegal can handle and when you need a lawyer.
Which Insurance Company Pays Your Accident Benefits in Ontario?
Driver, passenger, pedestrian, cyclist or hit and run victim: the order of insurers that pay Ontario accident benefits, and the 7 and 30 day deadlines.
How to Apply for Accident Benefits in Ontario: The Deadlines, Step by Step
The 7-day notice, the 30-day application and the forms that follow. A step-by-step guide to claiming Ontario accident benefits after a car crash.
Accident Benefits Denied in Ontario? What to Do Next
The insurer denied or stopped your accident benefits. How to read the denial, what the 2-year limit means and how a Licence Appeal Tribunal dispute works.
Ontario Accident Benefits Changed on July 1, 2026. Here Is What It Means If You Are Hurt
Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory in Ontario. See what became optional, the limits, and who is no longer covered.