Ontario legal information · Ottawa and Eastern Ontario
The useful question is more specific than the page title.
Damages may include non-pecuniary loss, income loss, treatment and care, housekeeping, expenses and in some cases family-member losses.2
Automobile claims add statutory thresholds, deductibles and benefit interaction; other claims may follow different rules.
Keep responsibility, available coverage and actual loss in separate columns.
Legal route
The defendant is responsible only for loss the law connects to the wrongdoing.
Insurance or benefit route
Benefit plans may pay defined amounts before or alongside a civil claim.
Practical decision
The same expense cannot simply be counted twice; coordination belongs in the valuation.
Build the record from material another person can verify.
The event, fault evidence and responsible parties.
Medical opinion about diagnosis, cause and future course.
Employment, household, caregiving and participation change.
Invoices, benefit statements, tax records and future-cost calculations.
Protect the next date without pretending every claim follows one clock.
Future loss should not be guessed before the medical and vocational record can support it.3
Preserve limitation dates even when treatment and prognosis are still developing.
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.
- Identify each loss category
- Apply the correct legal test
- Avoid double counting
- Document future assumptions
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 — Negligence Act
Apportionment of fault and contribution between people responsible for a loss.
Back to footnote ↑ - Ontario — Insurance Act
Ontario automobile liability, statutory benefit, threshold and deductible framework.
Back to footnote ↑ - Ontario — Family Law Act
Ontario claims for specified losses arising from injury or death to a family member.
Back to footnote ↑