Your Personal Injury Lawyers
Call 1-888-404-5167
Preszler Injury Lawyers

What Kind of Benefits Can I Expect from a Car Accident Settlement?

In the event you are injured in a car accident in Ontario, you may pursue a settlement via an auto insurance carrier. The Statutory Accident Benefits Schedule outlines the types of benefits available and the value for each category.

To recover a settlement, which is optional for an insurance company, you must meet the insurer’s qualifications and submit your application in a timely manner. This means you must notify your insurance company within seven days of the accident. You must then submit your application within 30 days of receipt.

Benefits You May Expect in an Accident Benefits Settlement

Medical and Rehabilitation Benefits – Your insurer will pay for the medical and rehabilitation treatments it believes are “reasonable and necessary” to your recovery. It will cover only what is not covered by The Ontario Health Insurance Plan or another health plan. The level of payment depends on the severity of your injuries. A minor injury qualifies for up to $3,500 in benefits. A more serious injury that is not catastrophic may qualify for up to $50,000 in benefits. A catastrophic injury – such as severe traumatic brain injury or paralysis – may qualify for as much as $1 million in benefits. As such, the correct categorization of an injury is crucial in securing an adequate settlement.

Income Replacement Benefits – These benefits are available to those who were employed at the time of the accident and whose injuries make it impossible to work while recovering. In other cases, they may be available to those who had worked 26 out of the last 52 weeks preceding the accident but were not working at the time of the accident. Benefits are paid every two weeks and account for 70 percent of your missed gross income up to the prescribed maximum. This will be based on your pre-injury income history but cannot exceed $400 per week, unless you purchased additional benefits. Income Replacement Benefits are available for up to 104 weeks after injury provided that you cannot perform your own job. Thereafter, Income Replacements Benefits will only be paid if you are unable to perform any job.

Non-earner Benefits – You may qualify for $185 in weekly Non-earner Benefits, if you do not qualify for Income Replacement Benefits. These also are available for victims 16 years or older who were full-time students at the time of the accident, or for recent graduates who have not yet taken a job. Benefits are paid only after the first 26 weeks of disability. If the disability persists past 104 weeks, a qualified applicant may increase weekly benefits to $320 for the duration of the disability.

Caregiver Benefits – A qualified victim who is unable to perform his or her caregiver duties due to injury may receive $250 a week for up to 104 weeks. Another $50 is available weekly for each additional person under the accident victim’s care. This type of benefit is not part of a standard automobile policy and is considered an optional benefit which has to be purchased.

Attendant Care Benefits – These benefits are available for victims who require daily assistance in activities like bathing and eating. A non-minor injury may net up to $3,000 per month for a total of $36,000. The benefit is available for 104 weeks in such cases. There is no time limit for victims with catastrophic injuries. Such an injury qualifies for as much as $6,000 per month and a total of $1 million.

Other benefits may include payment for specific accident-related expenses, such as to pay for visitor expenses and lost educational costs. You may download Accident Benefit forms online. If you were not at fault for your accident, you may qualify to pursue a lawsuit against the negligent driver to recover additional compensation. To learn more, schedule a free consultation with the Preszler Injury Lawyers in Ontario – 1-800-JUSTICE®.


related videos


Car Accident Lawyers

Hit and Run Injury Claims

Statutory Accident Benefits & Car Accident Claims

Types of Damages in Car Accident Cases

What Are Statutory Accident Benefits?

What Insurance Cuts Mean For Drivers in Ontario

Who to Contact Following a Car Accident
Call us now at

151 Eglinton Ave W,
Toronto, ON
M4R 1A6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
4145 N Service Rd
Burlington, ON
L7L 4X6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
2 County Ct Blvd #400,
Brampton, ON
L6W 3W8
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
105 Consumers Drive
Whitby, ON
L1N 1C4
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
92 Caplan Ave #121,
Barrie, ON
L4N 0Z7
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
380 Wellington St Tower B, 6th Floor,
London, ON
N6A 5B5
Toll Free: 1-888-608-2111
2233 Argentia Rd Suite 302,
East Tower Mississauga, ON
L5N 6A6
Toll Free: 1-888-608-2111
1 Hunter St E,
Hamilton, ON
L8N 3W1
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
459 George St N,
Peterborough, ON
K9H 3R9
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
116 Lisgar Street, Suite 300
Ottawa ON
K2P 0C2
Toll Free: 1-888-608-2111
10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
Toll Free: 1-888-608-2111
*consultation offices

DISCLAIMER: Please be advised that the header image and other images throughout this website may include both lawyer and non-lawyer/paralegal employees of Preszler Injury Lawyers and DPJP Professional Corporation and unrelated third parties. Our spokesperson John Fraser, or any other non-lawyer/paralegals in our marketing is not to be construed in any way as misleading to the public. Our marketing efforts are not intended to suggest qualitative superiority to other lawyers, paralegals or law firms in any way. Any questions regarding the usage of non-lawyers in our legal marketing or otherwise can be directed to our management team. Please also note that past results are not indicative of future results and that each case is unique and that case results listed on site are from experiences across Canada and are not specific to any province. Please be advised that some of the content on this website may be out of date. None of the content is intended to act as legal advice as each situation is independent and unique and requires individual legal advice from a licensed lawyer or paralegal. For legal advice on your individual situation – we can provide legal guidance after you have contacted our firm and we have established a lawyer-client relationship contractually. Maximum contingency fee charged is 33%. Finally, our usage of awards and logos for awards does not suggest qualitative superiority to other lawyers, paralegals or law firms. All awards received from third party organizations have been done so through their own reasonable evaluative process and do not include any payment for these awards except for the use of the award logos for our marketing assets. We are also proud to service additional provinces like Alberta, British Columbia and Nova Scotia.