How Ontario’s No-Fault Benefits Work — and Why You Still Need a Lawyer
If you’ve been injured in a motor vehicle accident in Ontario, you’ve likely heard the phrase “no-fault insurance.” But what does it mean—and why would you need a lawyer if benefits are available no matter who caused the accident?
Ontario’s no-fault system, known as the Statutory Accident Benefits Schedule (SABS), provides certain automatic benefits to anyone injured in an insured vehicle accident. These can include medical and rehabilitation expenses, income replacement, attendant care, and more. But here’s the catch: the insurance company decides which category your injury falls into—and that decision drastically affects what you receive.
Many people are placed in the Minor Injury Guideline (MIG), which limits treatment and compensation. Others may qualify as non-catastrophic or catastrophic, which unlock far greater support. Navigating this system requires medical documentation, advocacy, and—too often—a fight.
At Auger Hollingsworth, we’ve helped countless Ontarians challenge incorrect classifications and obtain the benefits they truly deserve. We know how to work with your treatment providers and challenge insurer assessments that minimize your injury.
Knowing what you’re entitled to is half the battle. Acting on it with legal support changes everything.
📞 Don’t leave your recovery in the hands of an insurance adjuster. Call Auger Hollingsworth at 613-233-4529 or visit ahinjurylaw.com for a free accident benefit review.
