Compensation Guide

COMPENSATION SOURCES IN ONTARIO

When you have been involved in an accident you need to know how you can receive help. At Campisi Law, we have achieved exceptional results for our clients against Ontario’s most powerful insurance companies (and the law firms that represent them) including: AIG, Allstate, Aviva, Chubb, Cooperators, Desjardins, Economical, Intact, Lloyd’s, Northbridge, RBC, RSA, TD, Travelers, Wawanesa and Zurich. Contact us today to learn how Campisi LLP can help you with your case.

 

Disability Insurance

If short-term or long-term disability benefits are available through your employment or a privately purchased policy, you should apply for these benefits immediately following your accident. These policies will be the first payer of your benefits. Your car insurance will only pay for your benefits once the private or disability insurance limits have been exhausted or denied.

No-Fault Benefits

Ontario has an Accident Benefits system that was designed to provide you with fast access to essential benefits when you are injured, regardless of who is to blame for the accident. They are often referred to as “no-fault” benefits. Under the no-fault system, each person deals directly with their own car insurance company for post-accident treatment and health care, income replacement and other benefits.

Note: if you were injured on a snowmobile, ATV or other recreational vehicle, you might also be entitled to no-fault benefits.

Negligence Lawsuits (Fault-based)

In addition to your accident benefits claim, you can sue the parties responsible for damages caused by their negligence. This is called a tort claim and can include compensation for:

  • Pain and suffering (called “non-compensatory” or “general” damages);
  • Actual economic losses and out-of-pocket expenses;
  • Cost of future medical treatment and care;
  • Cost of future attendant care;
  • Loss of future ability to earn money in the job market;
  • Cost of housekeeping and caregiving;
  • Loss of shared family income;
  • Loss of care, guidance and companionship suffered by your immediate family; and
  • Economic losses suffered by family members.

For more information on available benefits and amounts, please see the Accident Benefits table in our Car Accident eBook.