your rights

If you are involved in a motor vehicle accident, no matter if you were the driver, passenger, pedestrian or cyclist, you do have rights.

Whether or not you were at fault for the accident, all Ontario auto insurance policies provide compulsory benefits outlined in the Statutory Accident Benefits Schedule (SABS).  You may be entitled to medical and rehabilitation benefits, income replacement benefits, and even housekeeping and home maintenance expenses.  Your family members and dependents may also be entitled to some benefits even if they were not involved in the accident.

Accident Benefits can be claimed no matter what your legal residence status is in this country.

Strict time limits for applying for benefits are enforced by insurance companies, so it is prudent to be aware of these timelines.  Click here for more detailed information on reporting timelines.

All parties involved have the right to seek legal advice.  A knowledgeable lawyer can help you decipher the insurance system and help you get the maximum compensation.

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did you know?

Correctly used seat-belts reduce the risk of death in a crash by 61%.

Source: World Health Organization

Car Accident Timelines

You have 10 business days to provide the insurance company information after it requests, or it can suspend or deny your benefits.

  • 7


    You must inform the Accident Benefits insurance company of the accident and that you were hurt. MORE

  • 30


    You must complete and send the Accident Benefits application within 30 days of it being provided to you by the insurance company. MORE

  • 120


    You need to give written notice of your intention to sue the at-fault parties. MORE

  • 2


    To commence a lawsuit against an at-fault driver or your own insurance company if your benefits are denied. MORE


All of the information on this site has been provided by Carranza LLP, Canada’s first ISO 9001:2008 certified personal injury law firm.

1280 Finch Ave. West, Suite 200

Toronto, Ontario Canada

M3J 3K6

T: 1-877-633-1065

F: 416-633-9782

To reach us by email please contact

Disclaimer: This website is meant as a general reference for injured persons and their families. The medical and legal information contained in this manual is not intended to offer legal or medical advice. The content of this website is for informational and educational purposes only and is not intended as a substitute for the professional judgment of a legal and/or healthcare professional, and you should not rely upon any material or statements made on this website for legal or medical advice. It is not intended to create a solicitor-client relationship. It is recommended that you review any medical information carefully with your doctor or healthcare professional before making any decisions regarding your health or recommended medical treatment. While reasonable attempts have been made to ensure the accuracy of the information on this website, our firm cannot make express or implied representations or warranties about the accuracy or completeness of the information. Each person's legal needs are unique, and these materials may not be applicable to your legal situation. Please contact an Ontario Personal Injury lawyer for a consultation on your particular personal injury matter.

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