Ontario legal information · Ottawa and Eastern Ontario
Start with the real change, then test the legal route.
Collect policy and vehicle details from all reasonable sources and ask the selected insurer to state any transfer position in writing.2
Treatment and disability evidence can proceed while the liability investigation continues.
Keep the connected questions separate.
Benefit entitlement
Identify benefits available under the policy and SABS.
Clinical and functional proof
Develop clinical proof for the specific benefit requested.
Insurer decision
Track written insurer decisions and any LAT dispute.
Build a record that another person can verify.
Collision report and all involved vehicle details.
Early treatment, disability and care assessments.
Work, school, transportation and household impact.
Applications, priority correspondence and denials.
Protect the next decision before the record is complete.
Notify the best-supported insurer promptly rather than waiting for every policy issue to resolve.3
A coverage transfer does not erase separate response and dispute dates.
How a personal injury lawyer may help with accident benefits.
A useful review should reduce the file to a defined benefit, disputed period, governing test and evidence problem—then explain the available response in plain language.
- Apply the priority rules
- Protect care during coverage review
- Separate fault from benefit entitlement
- Preserve every written insurer position
Not every file requires every step or legal representation. The work should respond to the actual dispute, evidence gap or decision that is approaching.
Sources and legal references
These official sources provide the legal and procedural foundation for this page. Their current wording and the facts of the claim control.
View 3 sources
- Ontario — Insurance Act
Ontario automobile insurance, statutory benefits and insurance disputes.
Back to footnote ↑ - Ontario — Statutory Accident Benefits Schedule
The current regulation governing Ontario automobile accident benefits.
Back to footnote ↑ - Tribunals Ontario — LAT-AABS laws and rules
The official legislation, rules and practice directions for accident-benefit disputes.
Back to footnote ↑