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Ontario Personal Injury Lawyer Blog


Can You Sue After a Motorcycle Accident in Ontario?
By Lane Foster, Personal Injury Lawyer Yes, you can sue after a motorcycle accident in Ontario if another party was at fault and your injuries meet the legal threshold for a claim. In many cases, a lawsuit is pursued alongside accident benefits to recover full compensation. When can you sue after a motorcycle accident in Ontario? You can sue when another driver or party caused the accident and your injuries have had a significant impact on your life. In Ontario, most motorc
Mar 24


What to Do After a Motorcycle Accident in Ontario
By: Lane Foster, Personal Injury Lawyer After a motorcycle accident in Ontario, your priority should be getting medical attention and ensuring your safety. Motorcycle accidents often involve serious injuries, and the steps taken early can affect both recovery and any potential claim. What should you do after a motorcycle accident in Ontario? You should get medical attention immediately, report the accident, and ensure your safety as soon as possible after a motorcycle accide
Mar 23


How Much Compensation Do You Get for a Motorcycle Accident in Ontario?
By Lane Foster, Personal Injury Lawyer Motorcycle accident compensation in Ontario varies widely depending on the severity of the injury. Most claims include accident benefits, income replacement, and damages through a lawsuit. For moderate to serious injuries, compensation often ranges from tens of thousands to several hundred thousand dollars or more. How much compensation do you get for a motorcycle accident in Ontario? Injury Type Typical Compensation Minor injuries Unde
Mar 22


What Is the Hardest Injury to Prove in a Personal Injury Claim in Ontario?
By: Lane Foster, Personal Injury Lawyer The hardest injuries to prove in Ontario personal injury claims are those without objective medical evidence, including chronic pain, soft tissue injuries such as whiplash, mild traumatic brain injuries, and psychological conditions. Because these injuries rely heavily on subjective symptoms rather than imaging or test results, insurance companies often dispute their severity, duration, or connection to the accident. Quick Answer: What
Mar 21


What Can You Do If Your Accident Benefits Are Denied in Ontario?
By Lane Foster, Personal Injury Lawyer What happens if accident benefits are denied in Ontario? If your accident benefits are denied in Ontario, you can challenge the decision through the Licence Appeal Tribunal (LAT). You generally have 2 years from the denial to start a dispute, and you may need updated medical evidence to support your claim. Insurance companies often deny benefits based on medical assessments or treatment disputes, but these decisions are not final and can
Mar 19


When Does Long-Term Disability Change From “Own Occupation” to “Any Occupation” in Ontario?
By Lane Foster Personal Injury and Long-Term Disability Lawyer Most long-term disability (LTD) policies in Ontario change from an “own occupation” definition of disability to an “any occupation” definition after about 24 months of benefits . At that stage, claimants must usually show they cannot perform any job they are reasonably suited for based on their education, training, or work experience , not just their previous occupation. This definition change is one of the most
Mar 16


How Long After an Accident Can You Sue in Ontario?
In most Ontario personal injury cases, you have two years from the date of the accident to start a lawsuit. This deadline is called the limitation period under Ontario’s Limitations Act, 2002. However, some claims involve shorter notice requirements or additional deadlines depending on the circumstances. Consequently, it is always a good idea to consult an Ontario personal injury lawyer as soon as possible. By: Lane Foster, Personal Injury Lawyer Updated March 12, 2026 People
Mar 12


How Pain and Suffering Damages Are Calculated in Ontario (Cap, Deductible & Examples)
Pain and suffering damages in Ontario personal injury claims are determined by comparing the injured person’s condition with previous court decisions involving similar injuries. Courts consider factors such as the severity and permanence of the injury, the impact on daily life, and the loss of enjoyment of life. In motor vehicle accident cases, Ontario law may also apply statutory deductibles that reduce certain awards. By Lane Foster, Personal Injury Lawyer Updated March 25
Mar 9


How Much Compensation Can You Get for a Car Accident in Ontario? (Settlement Examples)
Author: Lane Foster, Personal Injury Lawyer Updated: March 2026 Most car accident settlements depend on injury severity, medical costs, lost income, and long-term disability. Minor injuries may result in settlements in the thousands, while serious injuries involving permanent disability or long-term care can reach hundreds of thousands or more. Compensation may include pain and suffering damages, income loss, treatment costs, and future care expenses. Typical Car Accident Se
Mar 6


How to Choose a Personal Injury Lawyer in Ontario
Written by Lane Foster, Personal Injury Lawyer – Ontario Last updated: March 2026 How do you choose a personal injury lawyer in Ontario? Choosing a personal injury lawyer in Ontario involves comparing experience, communication, and how the lawyer prepares evidence. Before signing a retainer, consider the following: Confirm the lawyer regularly handles personal injury cases. Ask how contingency fees and disbursements work. Make sure you can communicate directly with your lawye
Feb 25


Fernandes v. Penncorp Life Insurance Company (2013 ONSC 1637): How Courts Assess Long-Term Disability Terminations and Surveillance Evidence
By: Lane Foster, Ontario long-term disability lawyer When a long-term disability insurer stops paying benefits, the central legal question is usually straightforward but highly contested: is the claimant still disabled under the policy definition? In Fernandes v. Penncorp Life Insurance Company, (2013 ONSC 1637) the Ontario Superior Court examined that exact issue. The decision provides a practical example of how courts analyze surveillance evidence , medical opinions, and
Feb 24


How Much Does It Cost to Hire a Personal Injury Lawyer in Ontario?
If you’ve been injured and are thinking about hiring an Ontario personal injury lawyer, you’re probably asking: How much will it cost? In Ontario, most personal injury lawyers charge a contingency fee, meaning they are paid a percentage of the compensation recovered. In many cases, that percentage falls within the 30–35% range, depending on the complexity and risk of the case. In most situations, you do not pay legal fees upfront. The lawyer is paid only if your claim is succ
Feb 13


What Is the Serious Impairment Threshold in Ontario Motor Vehicle Accident Claims
In Ontario motor vehicle accident cases , an injured person does not automatically have the right to claim compensation for pain and suffering . To recover non-pecuniary damages, the injured person must first satisfy a legal gatekeeping test commonly referred to as the serious impairment threshold . The threshold is frequently misunderstood. Many people assume that ongoing pain, a lengthy recovery, or a delayed return to work is sufficient. In reality, the threshold is a lega
Feb 10


How Long Does a Personal Injury Claim Take to Settle in Ontario?
Summary — How Long Personal Injury Claims Take in Ontario Most personal injury claims in Ontario take 12 to 36 months to resolve. Straightforward claims involving minor injuries and clear liability may settle in under a year. More serious or catastrophic injury claims often take several years because medical recovery must stabilize before the claim can be properly valued. Common Questions About Personal Injury Settlement Timelines How long do most personal injury claims take
Feb 5


What Is the Minor Injury Guideline (MIG) in Ontario?
Minor Injury Guideline (MIG): Key Questions and Answers Summary (Minor Injury Guideline — Ontario) Ontario's Minor Injury Guideline (MIG) is an accident benefits framework that caps vital medical and rehabilitation funding at a strict $3,500 for injuries deemed minor, such as sprains, strains, and minor whiplash. However, because insurance companies routinely use this guideline to limit their financial exposure early in a claim, building a medical-legal foundation to escape
Feb 2


Catastrophic Impairment in Ontario: The Complete 2026 SABS CAT Guide
When a person suffers life-altering injuries in a motor vehicle accident in Ontario, one of the most important legal questions becomes: “Does this injury meet the definition of a catastrophic impairment under the SABS?” A catastrophic impairment (often called “CAT”) is the highest classification of injury under Ontario’s auto insurance laws. It dramatically increases the benefits available to an injured person — including access to long-term medical, rehabilitation, caregive
Dec 9, 2025


Ontario Winter Tires
This past Sunday, Ontario Provincial Police responded to over 220 motor vehicle crashes . The startling number of collisions was a result of the first major snowfall crossing paths with unprepared vehicle operators. Undoubtedly, a lack of winter tires will have played a role in many of these collisions. One of the reasons for the amount of vehicles slipping and sliding may be that Ontario does not mandate winter tires by law, in contrast to Quebec. Winter Tire Usage On a po
Nov 10, 2025


Who Pays in Personal Injury Lawsuits?
When you suffer personal injuries due to someone else’s negligence, you deserve to be properly compensated for your losses. But who is responsible for paying for your losses? A common myth regarding personal injury cases is that the person you sue, (the defendant), will have to pay you personally. This myth often makes victims hesitant to commence a personal injury claim because they worry about financially harming the other person. In nearly every personal injury lawsui
Oct 3, 2025


What to Do after a Car Accident: Understanding your Legal Claims
By Lane Foster, Personal Injury Lawyer After a car accident in Ontario, you should ensure safety, seek medical attention, report the accident if required, notify your insurer, and document what happened. These steps are critical for both your health and protecting your ability to make a claim. Quick Answer: What Should You Do After a Car Accident in Ontario? Immediately after a car accident, you should: check for injuries and call emergency services if needed move to a safe l
Jun 19, 2025


Winter Means...? Winter Tires
This year, Barrie’s first real snowfall was on November 30th. Just a few minutes waking up and seeing the snow, I heard the crunching of...
Dec 5, 2024
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