Ontario accident benefits: a starting point
Blackwood Consulting provides general information to help you prepare questions about Ontario accident benefits. Your insurer or a licensed professional should confirm what applies to your situation.
What "no-fault" means
In Ontario, people injured in an auto accident usually apply for accident benefits through their own insurance company, regardless of who caused the collision. "No-fault" refers to how benefits are accessed — it doesn't mean nobody was at fault.
Types of benefits people commonly ask about
- Medical and rehabilitation support not covered by OHIP or other plans
- Income-related benefits for people unable to work
- Attendant care for people who need help with daily activities
- Certain other expenses connected to the accident
Eligibility, amounts and limits depend on your policy, any optional coverage you purchased and your specific injuries.
If you don't have auto insurance
Passengers, pedestrians and cyclists may be able to apply through another policy — such as a family member's or the insurer of a vehicle involved. Which insurer applies is decided by provincial rules.
Owner review needed: benefit categories, coverage amounts and application timelines change from time to time. Have this page reviewed by a licensed professional before publishing and link to official Ontario government or FSRA sources.
Questions about benefits? Let's go through them together.
Speak with Blackwood Consulting about your accident, your concerns and the questions you need answered. Your initial conversation is free, confidential and without obligation.