Personal Injury
Case briefs, the SABS, and the rules behind Ontario injury claims.
Injury law in Ontario is two systems bolted together, and most of the confusion comes from not knowing which one you are in. These guides take them apart. They explain what accident benefits actually pay for and how you apply, what the 2016 reforms did to the standard coverage most drivers carry, and why a catastrophic impairment designation changes the numbers so dramatically. They also cover the tort side — the threshold you must meet before you can claim pain and suffering, and the statutory deductible that comes off the award afterwards. Two more deal with the deadlines: the general limitation period, the much shorter notice rules for municipalities and for snow and ice, and how to dispute a denied benefit at the Licence Appeal Tribunal. Each is written for education rather than advice, because how any of it applies depends on your accident date and your policy.
Accident benefits (SABS) after a car crash
The no-fault benefits you claim from your own insurer, and what changed on 1 July 2026.
SABSHow Ontario's accident benefits have changed: 2016 and 2026
Combined limits and shorter durations in 2016, then optional coverage from 1 July 2026.
SABSCatastrophic vs non-catastrophic impairment
Why the designation dramatically changes your benefits.
Tort ClaimsThe tort claim: threshold and the statutory deductible
Suing the at-fault driver — and the two hurdles that apply.
DeadlinesDeadlines and notice: don't miss the limitation period
Two years — and sometimes much shorter notice.
DisputesDisputing a denial: the LAT process
Where accident-benefit disputes go since 2016.