Scope of ServiceLicensed paralegals are authorized by the Law Society of Ontario to provide legal services, including legal advice and representation, in these practice areas.
How we help
- OCF forms completed correctly and on time
- Medical and rehabilitation benefit claims and treatment plan disputes
- Income replacement and non-earner benefit claims
- Insurer examination (IE) preparation and response
- Disputes before the Licence Appeal Tribunal
Deadlines matter
Notice and application timelines under the SABS begin running at the accident. If you have been in a collision, contact us early, even if you are unsure whether you will claim.
Common scenarios & your rights
ScenarioAnother driver hits you from behind. Your neck stiffens overnight, you miss work, and the insurance calls begin.
Your Rights
- Accident benefits come from your own insurer, regardless of who was at fault.
- Notify your insurer within 7 days, or as soon as practicable, and return the application within 30 days of receiving the forms.
- Benefits can include medical and rehabilitation costs and income replacement.
- A denial is not the end. Disputes go to the Licence Appeal Tribunal, generally within 2 years of the denial.
What to do: See a doctor early, report the collision, keep every receipt, and have the OCF forms reviewed before you submit them. Small wording choices shape the whole claim.
Watch: Accident Benefits (SABS) in plain language
Common questions
Do I claim against the other driver's insurer?
Accident benefits are claimed from your own insurer regardless of fault. Fault matters for other claims, which we explain at a consultation.
My treatment plan was denied. Now what?
Denials can be disputed at the Licence Appeal Tribunal within set timelines. Bring the denial letter to a consultation promptly.
