If you are injured in a motor vehicle accident (“MVA”) in Ontario, you are well aware that the law is complex and confusing. In this blog article, I give an overview of the current MVA law in Ontario.

There are two potential sources of insurance that you can access if you are injured in an MVA. The first is benefits provided by your own auto insurer, which are regulated by the Statutory Accident Benefits Schedule (also referred to as “SABS” or “Accident Benefits”). These benefits are available to you regardless of fault (they are sometimes referred to as “no-fault benefits”). If you do not have your own auto insurance policy and you were in an MVA as a passenger, cyclist, or pedestrian, you can make a claim for accident benefits through the insurance company of the driver of the vehicle involved in the accident.

If you are injured in an MVA and you were not at fault, you may also be entitled to compensation from the at-fault party (or parties). This involves starting a civil lawsuit against the parties responsible for the MVA.