Ontario's Two-Track System After a Car Accident
Ontario operates a "no-fault" auto insurance system with two compensation tracks: Accident Benefits and tort claims.
Accident Benefits (No-Fault)
- Medical/rehab up to $65K (non-catastrophic) or $1M (catastrophic)
- Income replacement: 70% of gross income up to $400/week
- Attendant care and caregiving benefits
File within 7 days. OCF-1 within 30 days.
Tort Claims (Suing the At-Fault Driver)
To sue for pain and suffering, you must meet Ontario's "threshold" — a permanent serious impairment. We evaluate if your injuries qualify.
The 2-Year Limitation Period
Two years from the accident date to start a lawsuit. Do not wait.