Last year, on September 1, 2010, changes were imposed on Ontario’s no fault benefits regime that drastically reduced the benefits available to individuals involved in car collisions. The changes were largely a result of vigorous lobbying on behalf of the insurance companies. Perhaps the most devastating change had been the reduction of medical and rehabilitation benefits. Now, if an individual has sustained what the new legislation refers to as a “minor injury”, no more than $3,500.00 in medical and rehabilitation benefits is available.

On September 1, 2010, significant changes were made to the mandatory insurance coverage for every person who drives a car in Ontario. Every automobile insurance policy includes no-fault benefits to cover you if you are hurt as the result of a car accident. Before September 1, 2010, these no-fault benefits included:

In Ontario, if someone hurts you using a motor vehicle, the insurance company will get to keep $30,000 of your damages. As an innocent victim of a car accident who has suffered injuries, you have the right to sue the other driver who caused the accident. What you may not know is that your damages for your pain and suffering will almost certainly be reduced by $30,000. It is a little-known fact that there is a $30,000 deductible on pain and suffering damages for almost all motor vehicle accident victims.