What counts as a catastrophic injury in Ontario?

Under Ontario auto insurance law, a “Catastrophic Impairment” designation unlocks significantly higher limits for medical, rehabilitation, and attendant care funding. Because the stakes are high, insurance companies fight these designations hard.

We represent people who have suffered:

• Traumatic brain injuries with severe and lasting cognitive, behavioural, or physical effects
• Spinal cord injuries resulting in partial or total paraplegia or quadriplegia
• Amputations or total loss of use of a limb
• Severe psychiatric impairments rooted directly in the accident

Building a lifetime claim

When an injury is permanent, a settlement can’t just cover current bills. We work with medical specialists, occupational therapists, life-care planners, and forensic accountants to set out, in evidence, what the next twenty, thirty, or fifty years will actually cost.

The claim has to account for:

• Lifetime medical care. Ongoing treatment, medications, physiotherapy.
• Attendant care. Daily, long-term, or 24-hour professional care.
• Home and vehicle modifications. Accessibility changes that match the level of mobility.
• Future income loss. What you would have earned, contributed to retirement, and paid into employment-related benefits.

No win, no fee

A catastrophic file requires real money for expert assessments and trial preparation. We cover those costs as the case is being built. You pay nothing unless we recover compensation through a settlement or a court award.