For passengers

You weren't driving. You still have rights.

Many passengers assume they have no legal options after an accident, especially when the driver is a friend or family member. That's not true.

THE QUESTION MOST PASSENGERS ASK

Do I have to sue my friend or family member who was driving?

✓The claim goes through insurance, not against the driver personally

✓You have the same right to claim as anyone else injured

✓You can claim whether or not you own a car or have a policy

Unsure which insurance company covers you? Tell us what happened, and we will work that out for you.

As a passenger

Depending on your circumstances

Which rules apply to your policy?

Ontario changed these rules on July 1, 2026. What matters is when your policy was purchased, not when your accident happened.

Important to know

You have the same right to compensation as anyone else injured in the crash.

You don't need to sue the driver to access accident benefits

The insurance company pays, not the driver personally

Delayed treatment can affect entitlement

Injuries aren't always visible, physical and psychological both count

Early settlements can affect long-term recovery

How we help

Identifies the right insurer

Even when it's not obvious which policy applies to you.

Handles forms and deadlines

Every document, tracked and submitted on time.

Explains all your options

Including situations most passengers don't know apply to them.

Manages the process

You focus on recovery. We manage the rest.

Write it once. We'll read it and get back to you.

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