Understand the Language of Your Case

A person who sees an accident or is nearby.

A crash involving one or more vehicles. In Ontario, these often involve accident benefits and no-fault insurance laws.

A payment for someone who can't work because they're taking care of an injured person who needs daily help.

A professional who coordinates medical treatments, rehabilitation, and support for someone with a serious injury.

A severe injury (like brain damage or paralysis) that qualifies a person for higher accident benefits in Ontario.

The connection between an accident and the injuries it caused. Proving causation is key in personal injury cases.

The part of the brain that helps control balance, coordination, and movement.

When the meaning of "disability" in an insurance policy changes, usually after two years of receiving benefits. Change of definition often means that an individual must prove they are unable to perform any occupation due to their disability. If claimants are unable to do so, their long-term disability benefits may be terminated.

A legal process used to settle disputes between people or companies in court, not involving criminal charges.

A formal request for money or help from an insurance company after an injury or loss. If you are asking for insurance payments to cover things like income loss or medical costs, it would be a claim for benefits.