The two insurance streams in Ontario

If you’re injured in a motor vehicle accident in Ontario, your recovery splits into two legal categories that run in parallel:

1. Statutory Accident Benefits (no-fault). Available to anyone injured in a collision, regardless of who caused it. Paid by your own auto insurer. Covers immediate medical treatment, rehabilitation, assistive devices, and income replacement.

2. Tort claim (at-fault). A separate lawsuit against the driver who caused the crash. Covers what the no-fault benefits don’t: pain and suffering, loss of enjoyment of life, past and future earning capacity and cost of care.

Both can apply to the same accident. Both have their own deadlines. We run them together so nothing falls between them.

Immediate deadlines

Window	What needs to happen	Why it matters
7 days	Notify the auto insurer of the accident and your injuries.	Late notice can result in delayed or denied benefits.
30 days from receiving the application package from insurer	Submit the formal Accident Benefits Application (OCF-1).	This is what triggers payments for physiotherapy, medical treatment, and income support.
2 years	Start the Tort lawsuit against the at-fault driver.	This is Ontario’s statutory limitation period; miss it and the claim is barred.

How we help

We handle the correspondence, the calls, and the negotiations with insurance adjusters from day one. We pull police reports, accident reports, witness statements, and the medical records that build the file. We work with treating doctors and, where the injuries justify it, with medical experts to set out the long-term picture.

You don’t pay legal fees up front. You don’t pay legal fees at all unless we recover compensation for you.