Recent Legislative Changes Concerning Ontario Auto Insurance and Accident Law

The fact is that as per the alterations in the Regulation of Ontario 491/96 additional changes have been made which impact the possible compensations that the victims involved in motor vehicle accidents can actually obtain. Justice cannot be denied.

Major changes have been made to the Statutory Accident Benefits Schedule which is also commonly referred to as SABS. These changes have determined the exact amount of monetary benefits that the victims of such accidents can actually receive. In the event of a car accident, the driver is entitled to file a compensatory claim with their insurance company and they are entitled to compensation for the following damages:

  • Benefits for car attendance
  • Benefits for loss of income
  • Benefits for medical treatment and rehabilitation

However, the fact is that the compensation from your insurance company is highly unlikely to compensate you for all the damages that you have gone through. For the example, if you are filing for a replacement of income you won’t get the entire loss covered but only a portion of it. If you want to get the entire amount compensated you can do this by filing a claim towards the driver who was at-fault in the accident. If you decide to do so, you can file for the following:

  • Expenses for medical attendance as well as rehabilitation
  • Income replacement and
  • Emotional damages such as pain and suffering.

Now, it is crucial to note that you can file for these things but the amount of the compensation is going to be reduced with the money that you have already received from your insurance company. The solution is incredibly fair because it serves to enact one of the most important principles of the law – you can’t get more than what you had to suffer through. Thus, compensation is given on the basis of the traumas and injuries sustained.

Ontario’s Insurance Act

The recent changes impact the deductibles which are taken out of your award for emotional damages. As of the 1st of January, the amount of the deductible is going to be published under the subsection of the Ontario’s Insurance Act. The subsection is 268.1, paragraph 1. The last amount of the deductible which was effective up until the 31st of December last year was $36,540. This means that if you receive a compensatory award amounting to $100,000, it is going to be properly reduced by the amount of the deductible for the respective year.

It’s important to follow the most recent and current changes in the legislation if you are to provide your clients with adequate legal representation and protection. This is going to have a great effect on your work and it would increase the ratio of satisfied customers and improve your existing track record.

We proudly serve the residents in the Mississauga, Brampton and Burlington areas. If you want a personal injury lawyer that represents your best interests, we’d love to review your case and give a free consultation. Contact us today!

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