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All automobile policies in Ontario include statutory accident benefits coverage (SABS) that you are entitled to even if the accident was your fault. For your convenience we have prepared a simple chart which outlines the basic entitlements found in all automobile insurance policies in Ontario.
Even with these rights, the process of completing your claim is usually more complex than you think.

For your convenience, we’ve gathered some of the common forms you need to complete if you’ve been injured in an accident. We advise that you have your lawyer review them before submitting them to ensure the wording you’ve used is appropriate and doesn’t cause you any issues.  These forms and others can be found on the Financial Services Commission of Ontario site.

• Application for Accident Benefits  (OCF 1)
• Employer’s Confirmation Form (OCF-2)
• Disability Certificate (OCF-3)
• Expenses Claim Form (OCF-6)
• Election of Income Replacement, Non-Earner or Caregiver Benefit (OCF-10)
• Treatment and Assessment Plan (OCF-18)
• Application for Determination of Catastrophic Impairment (OCF-19)
• Auto Insurance Standard Invoice (OCF-21)
• Treatment Confirmation Form (OCF-23)
• Minor Injury Treatment Discharge Report  (OCF-24)
• Assessment of Attendant Care Needs (Form 1)

Provided below are some of the more commonly-referred to legal statutes that set out the responsibilities of various parties under the law, as well as resources to help you understand how the statutes apply to you.

• Attorney General
• Dog Owners Liability Act
• Highway Traffic Act
• Insurance Act
• Occupiers’ Liability Act
• SABS- Statutory Accident Benefits
• Workplace Safety and Insurance Appeals Tribunal
• Workplace Safety and Insurance Board

Accident victims oen face difficult financial situations. Below are resources that can help you understand what financial support is available to help you in your particular situation, regardless of whether you pursue a legal course of action.

• Canadian Pension Plan (CPP) (Application for disability benefits)
• OHIP – What’s covered?
• Ontario Disability Support Program
• Ministry of Community and Social Services – Guidelines for seeking assistance
• Pension unlocking – Financial Services Commission of Ontario

Guide to health and long-term care providers in Ontario.

• Ontario Ministry of Health and Long-Term Care
• Canadian Medical Association (CMA)
• Health Canada
• Toronto Rehab

There are numerous support networks available to help you and your family. We support the efforts of many of these organizations to help them continue their fundraising activities that benefit so many in our communities.

Brain Injuries

• Brain Injury Association of Waterloo-Wellington
• Brain Injury Society of Toronto (BIST)
• Ontario Brain Injury Association (OBIA)
• Toronto Acquired Brain Injury Network

Spinal Cord Injury

• Canadian Paraplegic Association (CPA)
• Canadian Spinal Research Organization (CSRO)
• SCI Action Canada

Pain Related

• North American Chronic Pain Association of Canada
• The Canadian Pain Society
• The Arthritis Society

• Insurance Canada
• Registered Insurance Brokers of Ontario