Having Trouble With Your Auto Insurance Claim After an Accident?
Recovering from a motor vehicle accident is difficult enough without having to navigate Ontario's complex no-fault insurance system. While you're focused on medical appointments and your recovery, your insurance company may be requesting paperwork, arranging medical assessments, or questioning your entitlement to benefits.
Although accident benefits are designed to provide financial and medical support after a collision, insurers sometimes deny, reduce, or terminate benefits that injured individuals believe they deserve.
Van Dyke Law helps people throughout Ontario resolve disputes involving accident benefits and insurance claims. We offer free consultations, and qualifying personal injury claims are handled on a contingency fee basis, meaning there are no upfront legal fees.
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Ontario operates under a no-fault accident benefits system. This means that regardless of who caused the collision, individuals injured in a motor vehicle accident may be entitled to claim certain statutory accident benefits through their own automobile insurer.
These accident benefits can assist with rehabilitation, medical care, lost wages, and additional recovery costs, varying based on the nature of the collision and the degree of harm.
In addition to accident benefits, some injured individuals may have the right to pursue a separate claim against the at-fault driver for damages such as pain and suffering, future income loss, and other losses not fully covered by accident benefits. These claims are subject to specific legal requirements, including Ontario’s threshold for serious and permanent impairment.
Because every accident is different, obtaining legal advice early can help ensure that all available sources of compensation are properly explored.
Ontario’s Statutory Accident Benefits Schedule provides several types of benefits that may be available following a motor vehicle accident.
Depending on your circumstances, you may qualify for:
Receiving a denial letter does not necessarily mean your claim lacks merit.
Insurance companies may deny or reduce benefits for a variety of reasons, including:
Motor vehicle accidents can occur in many different circumstances and often involve multiple insurance issues. Van Dyke Law represents clients in claims involving:
If your accident benefits have been denied or reduced, taking the right steps early can strengthen your claim.
We recommend that you:
Many disputes can be resolved more effectively when legal advice is obtained before important deadlines expire.
Insurance adjusters play an important role in investigating claims, but they represent the insurance company’s interests.
Statements made early in the claims process may later affect your entitlement to benefits or compensation.
Similarly, an early settlement offer may not fully account for your future medical treatment, rehabilitation needs, or ongoing income loss.
Having legal representation allows you to manage communications with the insurer carefully while ensuring your rights remain protected throughout the claims process.
Motor vehicle accident claims often involve multiple insurers, extensive medical records, and complicated insurance legislation.
Van Dyke Law can assist by:
Our goal is to help clients pursue the full compensation available under Ontario law while allowing them to focus on their recovery.
For more than 30 years, Frank Van Dyke has represented injured Ontarians in complex personal injury and insurance disputes.
Clients choose Van Dyke Law because we provide:
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We bring extensive experience in handling various claims across Southern Ontario to deliver top-tier legal representation to our clients.
“I work hard to build trust with my clients, communicating regularly so that they know I have their back.”
– Frank Van Dyke
If your accident benefits have been denied, delayed, or reduced, you do not have to deal with the insurance company on your own. Contact Van Dyke Law for a free consultation to discuss your accident benefits, insurance claim, and the legal options available to you.
Our Kingston, Ottawa, and Belleville offices proudly serve injured clients throughout Eastern Ontario. Home, hospital, and virtual consultations are available when needed.
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Accident benefits are no-fault insurance benefits available through your own automobile insurer after a motor vehicle accident. Depending on your circumstances, they may help cover medical treatment, rehabilitation, income replacement, attendant care, and other approved expenses.
Yes. Ontario’s no-fault insurance system generally allows eligible injured individuals to receive accident benefits regardless of who was at-fault.
Review the denial carefully, continue receiving appropriate medical treatment, keep copies of all correspondence, and speak with a lawyer before accepting the insurer’s decision.
In some cases, yes. If your injuries meet Ontario’s legal requirements, you may have both an accident benefits claim through your insurer and a separate claim against the at-fault driver.
Several important notice requirements and limitation periods apply to motor vehicle accident claims in Ontario. Seeking legal advice promptly can help protect your rights and ensure deadlines are met.
Depending on your circumstances, benefits may include medical and rehabilitation expenses, income replacement, attendant care, housekeeping assistance, caregiver benefits, and other supports available under Ontario’s accident benefits system.
Although legal representation is not mandatory, an experienced lawyer can assess the insurer’s decision, gather supporting evidence, negotiate with the insurer, and pursue formal dispute resolution when necessary.
Van Dyke Law offers free consultations and handles qualifying personal injury claims on a contingency fee basis, meaning there are no upfront legal fees and legal fees are payable only if compensation is recovered.