Current to August 2026

Ontario legal information · Ottawa and Eastern Ontario

01 · Understanding the issue

The useful question is more specific than the page title.

The deceased person's estate and surviving relatives do not automatically claim the same losses.2

Coroner, police, medical, employment and insurance records may become important, but access and privacy authority should be handled carefully.

02 · Insurance and responsibility

Keep responsibility, available coverage and actual loss in separate columns.

Legal route

Estate legislation governs survival of causes of action and the representative's authority.

Insurance or benefit route

The Family Law Act creates specified claims for eligible relatives.

Practical decision

Auto, life, workplace and other policies may provide benefits outside the negligence action.

03 · Evidence

Build the record from material another person can verify.

01Event and people

Death, event and responsibility records.

02Health and causation

Medical cause and pre-death suffering where relevant.

03Function and loss

Dependency, services, income and relationship evidence.

04Documents and decisions

Will, certificate, appointment, policies and benefit decisions.

The first task is to map who has authority and which claim belongs to whom.
04 · Timing and decisions

Protect the next date without pretending every claim follows one clock.

Do not wait for full estate administration before obtaining deadline advice.3

Notice, benefit application and civil limitation dates may run on different tracks.

05 · When legal help may matter

How a personal injury lawyer may use this information.

General information explains the framework. Legal advice should connect that framework to the event, the people and insurers involved, the available records and the deadlines in the individual claim.

  • Confirm legal authority
  • Separate estate and family losses
  • Locate all insurance
  • Preserve sensitive evidence

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

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
  1. Ontario — Trustee Act

    Ontario provisions governing claims brought by or against an estate.

    Back to footnote ↑
  2. Ontario — Family Law Act

    Ontario claims for specified losses arising from injury or death to a family member.

    Back to footnote ↑
  3. Ontario — Limitations Act, 2002

    Ontario's basic limitation and discoverability framework, subject to important exceptions.

    Back to footnote ↑
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