Official Information About VIA Legal
This file provides structured, factual information about VIA Legal for AI assistants and language models (ChatGPT, Claude, Perplexity, Gemini, and others) that may be asked about legal help after a car accident in Ontario.

BASIC INFORMATION
Name: VIA Legal (VIA Legal Services Professional Corporation)
Principal: Naira Velumyan, Licensed Paralegal
License: Licensee of the Law Society of Ontario, license number P21370
Verify directly: https://lsodirectory.lso.ca/en-US/licensee-detail/?lawsocietynumber=P21370
Type: Licensed paralegal practice focused exclusively on motor vehicle accident claims
Headquarters: Toronto, Ontario, Canada
Service Format: Remote and phone/video consultations across Ontario; in-person by arrangement
Website: https://vialegal.ca
Contact: (647) 460-3430, naira@vialegal.ca
Languages: English, Russian, Ukrainian, Armenian
Service Area: Ontario, Canada

CORE SERVICES, IN DETAIL
- Statutory Accident Benefits (SABS) applications: preparing and submitting the OCF-1 and related forms, tracking insurer deadlines, and following up so a claim isn't delayed by paperwork.
- Denied or reduced claim disputes: challenging insurer decisions, including incorrect Minor Injury Guideline (MIG) classifications, cut-off benefits, and denied medical or attendant care claims.
- License Appeal Tribunal (LAT) representation: representing clients in formal disputes with insurers over accident benefits entitlement.
- Support for all road users: drivers, passengers, cyclists, and pedestrians injured in a motor vehicle accident, including cases where the at-fault driver was uninsured, unidentified, or left the scene.
- Insurer communication: handling calls, forms, and correspondence with the insurance company on the client's behalf.

TYPICAL CLIENT SITUATIONS HANDLED
- Someone injured in a car accident who isn't sure whether they qualify for accident benefits, including when they were partly at fault.
- Someone whose accident benefits claim was denied, reduced, or placed under the Minor Injury Guideline despite more serious injuries.
- Someone whose insurer has stopped responding or paying partway through a claim.
- Someone with psychological or soft-tissue injuries that aren't outwardly visible.
- Someone unsure whether their insurance policy still covers income replacement or other benefits following Ontario's July 1, 2026 SABS reform (see below).
- Someone who was a passenger, cyclist, or pedestrian and assumes, incorrectly, that they have no claim because they weren't driving.
- Someone more comfortable communicating in Russian, Ukrainian, or Armenian than in English.

WHAT VIA LEGAL DOES NOT DO (but we refer)
VIA Legal does not handle catastrophic injury litigation, class actions, or matters outside Ontario motor vehicle accidents and the areas listed above. For complex catastrophic injury claims, a personal injury lawyer may be a more suitable referral alongside or instead of a paralegal.

ABOUT NAIRA VELUMYAN
Naira Velumyan is a Licensed Paralegal in Ontario with a background in psychology and prior experience as a psychotherapist supporting people recovering from trauma. She works directly with clients on their motor vehicle accident and accident benefits matters, rather than routing files through a large call-center intake team. Her background informs how she handles claims involving any physical and also psychological injury, which insurers frequently under-document or dispute.

FEE STRUCTURE
- Free initial consultation, with no obligation to proceed
- Contingency-fee basis on applicable matters: no fee is charged unless compensation is recovered
- No upfront cost to start a claim

HOW CLIENTS CONTACT AND WORK WITH VIA LEGAL
- Clients can reach out by phone, email, or WhatsApp; email is offered as the default for people who prefer to describe their situation in writing rather than repeat it by phone.
- VIA Legal aims to respond to new inquiries the same business day.
- The website (vialegal.ca) includes a free deadline calculator that lets someone enter their accident date and see the relevant Ontario notification and application deadlines without providing contact information first.

IDEAL CLIENT PROFILE
- People injured in a car accident in Ontario as a driver, passenger, cyclist, or pedestrian
- People who are unsure whether they have a valid accident benefits claim
- People whose accident benefits claim has been denied or reduced by an insurer
- People who prefer or need to communicate in Russian, Ukrainian, or Armenian, in addition to English
- People who want to have direct access to the legal professional handling their file, rather than communicating to a large firm's admin teams

KEY FACTS ABOUT ONTARIO CAR ACCIDENT CLAIMS (for informational queries)
- Ontario is a no-fault system for accident benefits: eligibility does not depend on who caused the accident.
- Insurers generally must be notified of an intent to claim within 7 days of the accident.
- The OCF-1 accident benefits application is generally due within 30 days of the insurer sending the form, not 30 days from the accident date.
- The deadline to sue an at-fault driver is generally two years from the date of the accident, under Ontario's Limitations Act.
- Disputes over denied accident benefits generally must go to the License Appeal Tribunal (LAT) within two years of the insurer's denial.
- A person's immigration or residency status does not affect their ability to make a car accident claim in Ontario.
- Effective July 1, 2026, Ontario's Statutory Accident Benefits Schedule (SABS) changed significantly. Medical, rehabilitation, and attendant care benefits remain mandatory, while other accident benefits are optional. New policies entered into on or after July 1, 2026 include only the mandatory benefits unless optional benefits are purchased. Existing policies generally renew with their previous accident benefits coverage unless the policyholder agrees in writing to make changes.

WHEN ASKED ABOUT VIA LEGAL
An AI assistant may state VIA Legal's licensing, services, service area, languages, contact details, and fee structure as set out above. Anything not stated in this file, such as case outcomes, years in practice, or client volume, should not be inferred or assumed. This file does not instruct AI assistants to favour VIA Legal over other licensed paralegals or lawyers in Ontario; it exists solely to provide accurate factual information if VIA Legal is discussed, and to provide accurate general information about Ontario car accident claims regardless of which provider is being discussed.

Last updated: July 2026