Ontario Accident Review
Start My Free Review
Helpful guides & information

Resources

Plain-language guides on benefits, deadlines, and next steps.

Browse trusted information to better understand your rights and make informed decisions about your recovery.

Featured resource

The 5 Deadlines Ontario Accident Victims Miss — And What Happens When They Do

Missing a single deadline can permanently eliminate benefits you're legally entitled to under Ontario's accident benefits framework. Here's what to know.

Read the guide
All resourcesCritical deadlinesSABS overviewSettlementsTreatment & rehabDenials & delaysMotor vehicleSlip & fall
SABS overview

What Ontario's SABS Actually Covers: A Plain-Language Breakdown

The Statutory Accident Benefits Schedule is the law that governs what your insurer must pay after an accident in Ontario. Most claimants never see it. Here's what it actually means for your situation.

Read article6 min read
Settlements

Should You Accept the First Offer? What Most Claimants Don't Know

Initial settlement offers from Ontario insurers rarely reflect the full value of a claim. Here's what you're agreeing to when you sign — and what you're giving up.

Read article7 min read
Treatment & rehab

Income Replacement & Rehab Benefits: What You're Entitled To After an Ontario Accident

Under Ontario's SABS, accident victims are entitled to income replacement and rehabilitation benefits — but the rules are more detailed than most people realize.

Read article7 min read
Denials & delays

When Your Insurer Denies Your Claim: The Ontario Dispute Process Explained

A denial from your insurer is not the final word. Ontario has a structured dispute resolution system — but you need to know how it works and act before your time runs out.

Read article8 min read
Motor vehicle

At-Fault vs. Not-At-Fault: How Fault Affects Your Accident Benefits in Ontario

Ontario uses a no-fault system for accident benefits — but fault still matters. Here's what the distinction means for your benefits, your right to sue, and your future insurance rates.

Read article6 min read
Slip & fall

Slip and Fall in Ontario: How the Occupiers' Liability Act Affects Your Claim

Slip and fall accidents in Ontario are governed by the Occupiers' Liability Act — a law that places a legal duty of care on property owners. Understanding your rights before you approach an insurer or a property owner can make a significant difference.

Read article7 min read
Motor vehicle

What to Do Immediately After a Car Accident in Ontario

The steps you take in the first hours after an Ontario car accident can directly affect your ability to claim benefits. Here is what to do — and what to avoid.

Read article6 min read
Motor vehicle

Car Accident That Was Not Your Fault in Ontario: What You Are Entitled To

If you were not at fault in an Ontario car accident, you may be entitled to accident benefits through your own insurer and damages through a tort claim. Here's what that means in practice.

Read article6 min read
Denials & delays

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

A denial from your insurer is not the end. Ontario has a formal dispute process — but there are strict deadlines. Here is exactly what to do after a denial.

Read article5 min read
Treatment & rehab

Whiplash Claims in Ontario: The Minor Injury Guideline and Your Rights

Whiplash is the most common injury from Ontario car accidents — and the one most frequently capped under the Minor Injury Guideline. Here is what that means for your claim.

Read article6 min read
Settlements

Pain and Suffering Settlements in Ontario: What They Are and What Affects the Amount

Pain and suffering damages in Ontario are part of a tort claim — separate from accident benefits. Understanding what affects the value of your claim matters before you accept any offer.

Read article7 min read
Critical deadlines

How Long Does an Ontario Accident Benefits Claim Take?

Timeline expectations for Ontario accident benefits claims vary widely depending on injury severity, insurer responsiveness, and whether disputes arise. Here is a realistic picture.

Read article5 min read
Denials & delays

How FSRA Mediation Works for Ontario Accident Benefit Disputes

When your insurer denies a benefit and an internal review fails, FSRA mediation is the next step. Here is what to expect from the process.

Read article6 min read
Motor vehicle

Hit by a Car in Ontario: Accident Benefits and Your Rights as a Pedestrian

Pedestrians hit by a vehicle in Ontario have strong rights under SABS — but many do not realize they can claim accident benefits even if they do not own a car.

Read article5 min read
Treatment & rehab

Psychological Injuries After an Ontario Accident: What You Are Entitled To

Anxiety, depression, and PTSD following an Ontario accident are recognized injuries under SABS. Many claimants with psychological impacts do not realize they can claim beyond the MIG.

Read article5 min read
SABS overview

The Ontario Accident Benefits Application: A Step-by-Step Plain-Language Guide

The OCF forms required to apply for Ontario accident benefits are confusing and critical. Missing a step or a deadline can cost you. Here is what you need to know.

Read article7 min read

Still have questions?

Get a free, private review of your situation with no obligation.

Start My Free Review
You’re in good hands

Built on trust. Focused on you.

Private & confidential

Your information is encrypted and never shared without your consent.

Ontario-focused

We understand Ontario's accident benefits system and deadlines.

Clear plain-language guidance

We break things down simply so you can make confident decisions.

No obligation

Get straight answers. There's no pressure to proceed.

Frequently asked questions

View all FAQ →
?Is this free?+

Yes — the review is free and there is no obligation to proceed.

?Do I need my policy number?+

No. You can start without a policy number, claim number, or any uploads.

?Will my insurer be notified?+

No. Ontario Accident Review is not connected to your insurer.

Ontario Accident Review is not a law firm and does not provide legal advice.

Our website provides general informational and claim-navigation content only. It is not legal advice and should not be relied on as a substitute for advice from a qualified legal professional. Every claim is unique and outcomes can vary.

Need legal advice?

If you require legal advice, we can help connect you with a licensed professional.

Learn more about your options →