Your Ontario Accident Claim Was Denied. Here Is What to Do Next.

You filed your accident benefits claim. You did what you were supposed to do. And then your insurer sent a letter telling you the claim is denied. It is a stressful, frustrating moment — and one that many people accept as final when it isn't.

A Denial Is Not the Final Word

Step 1: Note the Date of the Denial Letter

Accident-benefit disputes are time-sensitive. Note the denial-letter date and any deadline language immediately, and consider getting qualified legal advice about whether a LAT-AABS application deadline applies.

Step 2: Understand Why You Were Denied

• Read the denial letter carefully. The most common reasons include:
• Your injury was classified as a minor injury under the Minor Injury Guideline (MIG)
• The insurer argues the treatment is not reasonable and necessary
• An independent medical examination (IME) concluded your injuries are less severe than claimed
• You missed a procedural deadline (late notice, incomplete forms)
• The insurer disputes whether your condition pre-dates the accident

Step 3: Request an Internal Review (Optional)

Within 10 business days of a denial, you can request an internal review from your insurer. This is an informal process where the insurer reconsiders the decision. It can sometimes resolve clear-cut errors without formal proceedings. However, an internal review does not pause your 2-year LAT-AABS deadline — the clock keeps running regardless.

Step 4: Consider LAT-AABS if the Dispute Continues

If your claim has been denied or your benefits have been reduced, a private review can help you understand what your options are and whether the denial is likely worth challenging.