






{"id":13046,"date":"2023-09-01T10:53:25","date_gmt":"2023-09-01T10:53:25","guid":{"rendered":"https:\/\/diamondlaw.ca\/?p=13046"},"modified":"2023-09-05T13:26:52","modified_gmt":"2023-09-05T13:26:52","slug":"car-accident-lawsuits-in-canadian-provinces-exploring-legal-procedures-and-rights","status":"publish","type":"post","link":"https:\/\/diamondlaw.ca\/car-accident-lawsuits-in-canadian-provinces-exploring-legal-procedures-and-rights\/","title":{"rendered":"Car Accident Lawsuits in Canadian Provinces: Exploring Legal Procedures and Rights"},"content":{"rendered":"<p dir=\"ltr\"><a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/201026\/dq201026a-eng.htm\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">With <\/span><span style=\"font-weight: 400;\">1,066,180 kilometres of road<\/span><\/a><span style=\"font-weight: 400;\"> as of 2018, Canada is the second largest country in the world. Due to the vast infrastructure, most people drive in the country, which is why there were<\/span><a href=\"https:\/\/www.statcan.gc.ca\/en\/topics-start\/automotive\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">26.2 million registered vehicles<\/span><\/a><span style=\"font-weight: 400;\"> in 2021.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">This also means that car accidents are inevitable. In 2021, there were<\/span><a href=\"https:\/\/tc.canada.ca\/en\/road-transportation\/statistics-data\/canadian-motor-vehicle-traffic-collision-statistics-2021\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">108,018 incidents resulting in minor to severe injuries<\/span><\/a><span style=\"font-weight: 400;\">. Statistically, that\u2019s not a very high number, but being involved in an accident can be life changing, especially for the 8,185 people who sustained serious injuries.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">If you were involved in a car accident and suffered serious injuries, what should you do? Your instinct might be to call a<\/span><a href=\"https:\/\/diamondlaw.ca\/practice-areas\/car-accidents\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">car accident lawyer<\/span><\/a><span style=\"font-weight: 400;\">. However, there is a process you must follow and obligations that you must meet.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">While the rules may vary from one province to another, there are a few common principles that you need to follow. Below, we\u2019ve listed a guide to the legal procedures and your rights regarding car accident lawsuits across Canadian provinces.\u00a0\u00a0<\/span><\/p>\n<div dir=\"ltr\" align=\"left\">\n<table class=\"table-takeaways\">\n<colgroup>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<td>\n<p dir=\"ltr\"><b>Key Takeaways<\/b><\/p>\n<ul>\n<li dir=\"ltr\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Car accident lawsuits in Canadian provinces generally follow the same processes across Canada, which try to protect the same rights.<\/span><\/li>\n<li dir=\"ltr\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Each region has slightly different laws, making it challenging for non-lawyers to navigate the legal system.<\/span><\/li>\n<li dir=\"ltr\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An experienced personal injury lawyer in the relevant region can make sure that claims and civil actions are filed in a timely manner.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 dir=\"ltr\"><b>Your Legal Obligations<\/b><\/h2>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Whether a car accident involves property damage, injury, or death, it generally has legal implications. If you\u2019re involved in a car accident, one way to safeguard your rights is by making sure that you meet your obligations.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Stay put<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">You should never leave the scene of an accident. If you are rear-ended, you might need to drive a bit farther before you can stop. That&#8217;s okay. The point of impact to where you finally end up stopping is the scene of the accident. Stay where you are until all the legal formalities are over.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Fleeing the scene of an accident is a crime in Canada under<\/span><a href=\"https:\/\/laws-lois.justice.gc.ca\/eng\/acts\/c-46\/page-46.html\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">section 320.16 (1)<\/span><\/a><span style=\"font-weight: 400;\"> of the <\/span><i><span style=\"font-weight: 400;\">Criminal Code<\/span><\/i><span style=\"font-weight: 400;\">. It may also be an offence under provincial legislation, such as under <\/span><a href=\"https:\/\/www.ontario.ca\/laws\/statute\/90h08#BK332\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">section 200<\/span><\/a><span style=\"font-weight: 400;\"> of Ontario\u2019s Highway Traffic Act.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Section 69(1)<\/span><i><span style=\"font-weight: 400;\"> <\/span><\/i><span style=\"font-weight: 400;\">of Alberta\u2019s<\/span><a href=\"https:\/\/www.canlii.org\/en\/ab\/laws\/stat\/rsa-2000-c-t-6\/\" rel=\"nofollow noopener\" target=\"_blank\"><i><span style=\"font-weight: 400;\"> <\/span><\/i><i><span style=\"font-weight: 400;\">Traffic Safety Act<\/span><\/i><\/a><span style=\"font-weight: 400;\"> stipulates the following:<\/span><\/p>\n<p dir=\"ltr\"><i><span style=\"font-weight: 400;\">\u00a0&#8220;<\/span><\/i><span style=\"font-weight: 400;\">Where an accident in which a vehicle is involved occurs on a highway, the driver or other person in charge of any vehicle that was directly or indirectly involved in the accident shall\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">(a) remain at the scene of the accident or, if the person has left the scene of the accident, immediately return to the scene of the accident unless otherwise directed by a peace officer.&#8221;<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Most provinces and territories will have similar language for dealing with car accidents in Canada.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Render assistance<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Another general duty of persons involved in an accident is to make sure that everyone is safe. Check for injuries and call for an ambulance when necessary.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">You shouldn\u2019t move an injured person unless you can do so safely or it\u2019s absolutely required. For example, if you\u2019re a doctor and can render professional medical assistance, or the injured party is in a burning car, you can perhaps move the injured person.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">It\u2019s very important to warn oncoming traffic in order to prevent more accidents. If available, put on hazard lights or set out reflective triangles a few meters from the scene of the accident.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Report the collision<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">You must report a car collision, but not necessarily to the police. The police will come only if the incident involves a hit-and-run, cyclist, pedestrian, injury, death, or property damage of a certain amount. In Ontario and Alberta, the threshold for property damage is over $2,000. For everywhere else, including Quebec, it\u2019s $1,000.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">There are exceptions to the property damage threshold, such as property damage to a third party, like someone&#8217;s lawn or a guardrail.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">You must also call the police if the accident involves a crime, such as drunk driving or transporting dangerous goods. The police will also respond to accidents between 11 pm and 6 am, when any vehicle is not drivable.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">When you call the police, you may have to wait for them to arrive at the scene unless they tell you to go to a<\/span><a href=\"https:\/\/accsupport.com\/\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">Collision Reporting Centre<\/span><\/a><span style=\"font-weight: 400;\">. In either case, the police will generate an accident report, which you can use for insurance claims or a car accident lawsuit.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">For accidents that only result in vehicular damage, you must bring the vehicle to a Collision Reporting Centre within 24 hours. However, you have up to 48 hours if the accident happens on the weekend and the centre is closed.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Make sure to exchange information with the other parties involved in the accident, including getting their names and insurance information.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">At the centre, your vehicle will undergo inspection and the damage will be documented. The centre will also help you fill out a police report, and they\u2019ll send it to your insurance company unless you request otherwise.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Inform the insurance company<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">You should always report an accident to the insurance company. Canadian drivers must always carry proof of insurance, so the contact information should be at hand.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">While it\u2019s best to report any accident as soon as possible, you must do so within 72 hours. Carry a soft copy of the<\/span><a href=\"https:\/\/a-us.storyblok.com\/f\/1003207\/x\/cf1afe4d47\/incident-accident-reporting-sample-incident.pdf\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">Incident Report Form sample<\/span><\/a><span style=\"font-weight: 400;\"> from the Insurance Bureau of Canada with you. It can help you collect the critical details you need, such as names, contact information, vehicle ownership, and insurance details.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Keep in mind that any accident you report to your insurance company will be counted against you if you\u2019re even partially at fault. This means that even if you pay for everything yourself, your monthly premium will likely increase. This is why most people prefer not to report minor accidents to their insurance company.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">You must nevertheless collect the at-fault driver&#8217;s insurance information if you\u2019re the injured party. Your insurance company will require it for your claim.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">If, however, you\u2019re the one at fault and you didn&#8217;t report it to your insurer, chances are that the other party will. This can land you in some trouble, as your insurance company might cancel your policy or refuse to renew it.<\/span><\/p>\n<p><iframe loading=\"lazy\" width=\"100%\" height=\"400\" src=\"https:\/\/www.youtube.com\/embed\/zI1D2Oy7m4M\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2 dir=\"ltr\"><b>What To Do if the At-Fault Driver Has No Insurance<\/b><\/h2>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Though driving without car insurance isn\u2019t a federal offence in Canada, it\u2019s an offence under provincial legislation. For example, under <\/span><a href=\"https:\/\/www.ontario.ca\/laws\/statute\/90c25\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">section 2<\/span><\/a><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">of Ontario\u2019s <\/span><i><span style=\"font-weight: 400;\">Compulsory Automobile Insurance Act<\/span><\/i><span style=\"font-weight: 400;\">, every driver is required to have insurance. If you\u2019re driving a motor vehicle without insurance, there are significant penalties, such as fines and licence suspensions.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">However, if you\u2019re in a car accident and no one has insurance, you may still be able to get compensation for your losses. Some provinces have programs to deal with injuries involving uninsured motorists. Since, however, driving without insurance is an offence, these programs are a last resort.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Ontario&#8217;s<\/span><a href=\"https:\/\/www.ontario.ca\/page\/motor-vehicle-accident-claims-fund\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">Motor Vehicle Accident Claims Fund<\/span><\/a><span style=\"font-weight: 400;\"> is one such program. If you\u2019re eligible, you can claim losses for injuries, deaths, property damage, and funeral costs. You can receive up to $200,000 in benefits, as well as legal costs, if you sue the at-fault party.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Suppose, however, that the at-fault driver has no insurance or that they flee the scene of the accident. If you have insurance, you may still be eligible for special programs even if the at-fault driver is uninsured.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Regardless of fault, you can get compensation through your insurance provider under the<\/span><a href=\"https:\/\/diamondlaw.ca\/statutory-accident-benefits-sabs-ontario\/\"><span style=\"font-weight: 400;\"> <\/span><i><span style=\"font-weight: 400;\">Statutory Accident Benefits Schedule<\/span><\/i><\/a><i><span style=\"font-weight: 400;\"> <\/span><\/i><span style=\"font-weight: 400;\">(SABS) in Ontario. These include income replacement, non-earner, caregiver, medical and rehabilitation, attendant care, death and funeral, and other benefits. Moreover, availing of SABS doesn\u2019t preclude you from filing a car accident lawsuit in Canada.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">If you\u2019re in Alberta, you have access to a program for<\/span><a href=\"https:\/\/www.alberta.ca\/injured-by-an-uninsured-or-unknown-driver.aspx\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">Motor Vehicle Accident Claims<\/span><\/a><span style=\"font-weight: 400;\"> (MVAC). If your insurance doesn\u2019t cover any losses, you can get compensation of up to $200,000 for bodily injuries.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">However, unlike SABS, you must not be at fault for the accident to qualify for MVAC. You must also initiate a personal injury lawsuit against all liable parties within two years of the incident. Filing an MVAC claim can be complex, so it\u2019s best to retain a personal injury lawyer.<\/span><\/p>\n<h2 dir=\"ltr\"><b>Car Accident Lawsuits in Canadian Provinces<\/b><\/h2>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">An insurance claim is the most common way to get compensation for car accidents in Canada. It\u2019s often the only way to get compensation if the accident doesn\u2019t involve death or serious injury.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">However, there are cases when an insurance claim or access to SABS and MVAC will not cover all your losses. This is where filing a lawsuit is the best way to get compensation, and the following steps are crucial:<\/span><\/p>\n<h3 dir=\"ltr\"><b>Gather evidence<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">In case of injury, property damage, or death, you should document the following, which will help your car accident lawyer build a strong case:<\/span><\/p>\n<ul>\n<li dir=\"ltr\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Details of the other vehicle, such as the licence plate, make, model, and year<\/span><\/li>\n<li dir=\"ltr\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The licence and contact information of the other driver<\/span><\/li>\n<li dir=\"ltr\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Other driver&#8217;s insurance details, including the insurance policy number<\/span><\/li>\n<li dir=\"ltr\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Names and contact information of witnesses<\/span><\/li>\n<li dir=\"ltr\" style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any video or photographic evidence you can find, such as dashcam footage<\/span><\/li>\n<\/ul>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Be ready to provide your information to the police and any other party involved in the accident. However, don\u2019t admit fault or make any statements to imply that you\u2019re liable in any way. Moreover, don\u2019t accept any payment or settlements or sign a release before talking to your lawyer.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Get medical attention<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Even if you feel alright, it\u2019s important to consult a doctor immediately after an accident. This is because you may not see any signs of injuries until years after the accident. Furthermore, if you consult a doctor, you\u2019ll also get a medical report, which is an important piece of evidence in your lawsuit.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Contact a car accident lawyer<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">If you think that the other driver was at fault and you want to seek compensation, the first thing you need to know is how fault is determined. In Ontario, insurance companies rely on the<\/span><a href=\"https:\/\/www.ontario.ca\/laws\/regulation\/900668\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><i><span style=\"font-weight: 400;\">Fault Determination Rules<\/span><\/i><\/a><span style=\"font-weight: 400;\"> to verify the degree of responsibility. Other provinces may have different rules.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">In any case, because personal injury law is so complex, you must find a lawyer in your province to handle your case. It\u2019s easy to make a mistake that can ruin your chances of receiving compensation for your injuries. An experienced personal injury lawyer knows what to do and can help you get the compensation you deserve.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">While lawyers are expensive, don\u2019t let that stop you. Most lawyers will provide a free consultation to determine if you have a good chance of winning.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">They may also offer to work on a contingency fee basis. This means that you won&#8217;t have to pay them if you don&#8217;t win the case. However, you may still have to pay court filing fees, which are generally nominal.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Get ready for a fight<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Canadian law typically requires you to notify the other party that you\u2019ll bring formal proceedings within 120 days of the accident. This means that you shouldn\u2019t waste any time finding a lawyer to represent you.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">In most cases, the at-fault party and their insurance company will deny liability. You want a competent lawyer who can respond to motions and all other legal obstacles that they might throw your way.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">However, most car accident lawsuits don\u2019t make it to a trial. Insurance companies may offer to settle the matter rather than go through the expensive litigation process. Your lawyer can determine when a settlement offer is acceptable and advise you accordingly.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">If you don\u2019t want to settle or the offer is unreasonable, your lawyer can tell you about the claims you can make to seek compensation for your injuries and losses.<\/span><\/p>\n<h2 dir=\"ltr\"><b>What can you claim?<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2023\/09\/courthouse-311-jarvis-st-1061123_1920-1.jpg\" alt=\"\" width=\"1920\" height=\"1440\" class=\"alignnone size-full wp-image-13047\" srcset=\"https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2023\/09\/courthouse-311-jarvis-st-1061123_1920-1.jpg 1920w, https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2023\/09\/courthouse-311-jarvis-st-1061123_1920-1-300x225.jpg 300w, https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2023\/09\/courthouse-311-jarvis-st-1061123_1920-1-1024x768.jpg 1024w, https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2023\/09\/courthouse-311-jarvis-st-1061123_1920-1-768x576.jpg 768w, https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2023\/09\/courthouse-311-jarvis-st-1061123_1920-1-1536x1152.jpg 1536w, https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2023\/09\/courthouse-311-jarvis-st-1061123_1920-1-1568x1176.jpg 1568w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">The aftermath of a car accident can have multiple physical, emotional, and financial consequences. You can typically sue the at-fault driver and other liable parties for compensation for<\/span><a href=\"https:\/\/diamondlaw.ca\/what-are-pecuniary-and-non-pecuniary-damages\/\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">pecuniary and non-pecuniary damages<\/span><\/a><span style=\"font-weight: 400;\">. This is above and beyond any payment you may receive from your insurance company.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">In 1978, the Supreme Court of Canada imposed a cap on non-pecuniary damages, including pain and suffering. The $100,000 cap resulted from rulings in three cases: <\/span><a href=\"https:\/\/www.canlii.org\/en\/ca\/scc\/doc\/1978\/1978canlii1\/1978canlii1.html?autocompleteStr=andrews%20&amp;autocompletePos=1\" rel=\"nofollow noopener\" target=\"_blank\"><i><span style=\"font-weight: 400;\">Andrews v Grand &amp; Toy Alberta Ltd.<\/span><\/i><span style=\"font-weight: 400;\">,<\/span><\/a><a href=\"https:\/\/scc-csc.lexum.com\/scc-csc\/scc-csc\/en\/item\/2607\/index.do\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><i><span style=\"font-weight: 400;\">Thornton v School District No. 57 (Prince George) et al.<\/span><\/i><span style=\"font-weight: 400;\">,<\/span><\/a><span style=\"font-weight: 400;\"> and<\/span><a href=\"https:\/\/scc-csc.lexum.com\/scc-csc\/scc-csc\/en\/item\/2589\/index.do\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><i><span style=\"font-weight: 400;\">Arnold v Teno<\/span><\/i><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Most provincial courts allow for inflation, and the cap currently stands at around $400,000. There is no cap for pecuniary damages, such as medical expenses, given they are actual financial losses incurred by the plaintiff.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Medical treatment and rehabilitation<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Insurance companies in Canada generally cover medical expenses resulting from a car accident. However, when the injuries are serious or result in temporary or permanent disability, your insurance may not cover all your healthcare costs. In that case, you can ask for compensation to bridge the gap for the costs of surgery, doctor&#8217;s visits, rehabilitation, and attendant care. The damages you can ask for will depend on the severity of your injuries.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Loss of income and earning ability<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Getting hurt in a car accident typically means taking time off from work, which will affect your earning ability. You can claim present and future loss of income and lost earnings. Your injuries don\u2019t need to be severe or permanent. You might only need to show that your injuries have and likely will result in these losses.\u00a0\u00a0<\/span><\/p>\n<h3 dir=\"ltr\"><b>Caregiver and home maintenance costs<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">If you were a caregiver at the time of the accident, and your injuries have prevented you from doing your work, you can request the court to include this in your award for damages. You may also want to request housekeeping and maintenance costs, which you would ordinarily do yourself, but can\u2019t do anymore because of your injuries.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Pain and suffering<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">The bulk of non-pecuniary damages you can claim is for pain and suffering. This is a general term describing any physical and psychological harm you may have suffered, such as emotional distress, loss of companionship, impairment of life, and loss of guidance.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Any reduction in the plaintiff&#8217;s quality of life due to a car accident may be the basis of a financial claim. In the case of wrongful death, surviving family members may rely on <\/span><a href=\"https:\/\/www.ontario.ca\/laws\/statute\/90f03#BK83\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">section 61(1)<\/span><\/a><span style=\"font-weight: 400;\"> of the <\/span><i><span style=\"font-weight: 400;\">Family Law Act<\/span><\/i><span style=\"font-weight: 400;\"> to seek compensation for these losses.<\/span><\/p>\n<h2 dir=\"ltr\"><b>Limitation Periods<\/b><\/h2>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">One of the most important things a personal injury lawyer does is file an insurance claim and a lawsuit in a timely manner. It may not be as straightforward as you think.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Filing an insurance claim<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Filing an insurance claim for car accidents is often provider-specific. For example, most insurers in Ontario limit the applicable time limit to seven days. However, some providers may require you to report an accident within 72 hours. Check your policy for the time limit to make sure that you file a claim in a timely manner so that you can get compensation for your injuries.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Provinces may also have time limits by which you must submit an insurance claim. In Ontario, it\u2019s 30 days, and in Alberta and other provinces, it\u2019s 90 days.<\/span><\/p>\n<h3 dir=\"ltr\"><b>Filing a car accident lawsuit<\/b><\/h3>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Pursuing a civil action in Canada is subject to provincial and municipal laws on limitation periods, which are often called the statute of limitations. You must typically file a car accident lawsuit within two years. While Nova Scotia previously allowed lawsuits to be filed within 3 years,<\/span><a href=\"https:\/\/novascotia.ca\/just\/documents\/Limitation-of-Actions-Act.pdf\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">changes in the law<\/span><\/a><span style=\"font-weight: 400;\"> have now brought it down to two years for civil claims.\u00a0\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">What does this mean? This means that you may lose the right to claim compensation or bring formal proceedings if you don\u2019t file a notice of claim and a lawsuit within the limitation period.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">There may also be different time limits for filing a notice of claim. For example, Ontario requires plaintiffs to give notice to the defendant within 120 days of an accident. Other provinces, including Ontario, may allow extensions based on discovery, which means that the plaintiff became aware of their personal injury at a time after the accident.\u00a0\u00a0<\/span><\/p>\n<p dir=\"ltr\"><a href=\"https:\/\/www.ontario.ca\/laws\/statute\/02l24#BK4\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">Section 4<\/span><\/a><span style=\"font-weight: 400;\"> of Ontario&#8217;s <\/span><i><span style=\"font-weight: 400;\">Limitations Act<\/span><\/i><span style=\"font-weight: 400;\"> says, &#8220;A proceeding shall not be commenced in respect of a claim after the second anniversary of the day on which the claim was discovered.&#8221;\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Section 15 further sets an &#8220;ultimate&#8221; limitation period of 15 years. This means that no civil action may be commenced after 15 years, regardless of when the injuries were discovered.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Whatever the case may be, trying to get an extension because of discovery adds another layer to your burden of proof. Therefore, it\u2019s best to file a car accident lawsuit as soon as possible after the event.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">This urgency is especially important when the liable party is a government entity. For example, if a public bus hits your vehicle since the municipality owns and operates the bus, you must file a notice of claim and lawsuit within 3 to 10 days and begin the case within 3 months. Moreover, this limitation period may vary across cities and provinces.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Victims of hit-and-run accidents may also have less time to file a civil claim. Under Alberta&#8217;s MVAC program, you have<\/span><a href=\"https:\/\/open.alberta.ca\/dataset\/d87026bf-7b6c-4b80-b21d-db332bd39e6d\/resource\/d108b783-3ffd-49b0-998c-f3260cc53843\/download\/2016-alberta-motor-vehicle-accident-claims-program-information-resource.pdf\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\"> <\/span><span style=\"font-weight: 400;\">90 days to file a notice of claim<\/span><\/a><span style=\"font-weight: 400;\"> when the at-fault party&#8217;s identity is unknown.<\/span><\/p>\n\t\t\t\t<section class=\"f_infoboxes_sc\" id=\"info_b_sec\">\n\t\t\t\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t<div class=\"col-md-1\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2021\/01\/Screenshot_1.png\">\n\t\t\t\t\t\t\t<!--  -->\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"col-md-11\">\n\t\t\t\t\t\t\t<!-- <i onclick=\"document.getElementById('info_b_sec').style.display = 'none'\" class=\"far fa-times-circle\"><\/i> -->\n\t\t\t\t\t\t\t<h3>Did you know?<\/h3>\n\t\t\t\t\t\t\t<p>Ontario allows insurance companies a statutory deductible for non-pecuniary damages in a personal injury claim. The rules for determining the deductible are described in section 267.2(2) of the Insurance Act.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/section>\n\t\t\n<h2 dir=\"ltr\"><b>Get Help With Car Accident Lawsuits in Canadian Provinces<\/b><\/h2>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Car accident lawsuits across Canada generally follow the same process and protect the same rights. However, federal and provincial laws governing civil actions are complex, and it\u2019s easy to make mistakes when claiming compensation for your losses.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Suppose you were in a car accident in Toronto that wasn\u2019t your fault, and you sustained significant financial losses. You may recover your losses by filing an insurance claim and suing the liable parties. Diamond &amp; Diamond Lawyers can make sure that you follow the proper process so that your rights are protected and that you get the compensation you deserve.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">You might not have much time. Book a <\/span><a href=\"https:\/\/diamondlaw.ca\/free-case-evaluation\/\"><span style=\"font-weight: 400;\">free consultation<\/span><\/a><span style=\"font-weight: 400;\"> today.<\/span><\/p>\n<h4 dir=\"ltr\"><b><i>Car accident lawsuits in Canadian provinces involve complex laws and processes. Consult Diamond &amp; Diamond personal injury lawyers to even the odds of success!<\/i><\/b><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>With 1,066,180 kilometres of road as of 2018, Canada is the second largest country in the world. Due to the vast infrastructure, most people drive in the country, which is why there were 26.2 million registered vehicles in 2021.\u00a0 This also means that car accidents are inevitable. In 2021, there were 108,018 incidents resulting in&hellip;<\/p>\n","protected":false},"author":1,"featured_media":13048,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ngg_post_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-13046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","entry"],"_links":{"self":[{"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/posts\/13046","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/comments?post=13046"}],"version-history":[{"count":0,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/posts\/13046\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/media\/13048"}],"wp:attachment":[{"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/media?parent=13046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/categories?post=13046"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/tags?post=13046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}