How Long Do You Have to Make a Claim Post-Accident?
In Ontario, strict deadlines apply for filing insurance claims or lawsuits after an accident. Missing these deadlines can mean losing your right to compensation. Knowing the time limits and acting early ensures you don’t miss your chance to recover damages.
After a car accident, time is not on your side. Ontario’s laws set strict deadlines for reporting accidents, applying for benefits, and pursuing legal claims. Acting quickly protects your rights and strengthens your case.
When to Report the Accident to Your Insurance Company.
You must notify your insurance company within seven days of the accident — or as soon as reasonably possible. Failing to report on time could lead to delays or denial of accident benefits. Always document your report and keep a copy for your records.
Deadline to Apply for Accident Benefits.
After notifying your insurer, you must submit an accident benefits application within 30 days of receiving the forms. These benefits can include medical expenses, income replacement, and rehabilitation support. If you miss this deadline, you could lose access to these critical resources.
Deadline to Sue the At-Fault Driver.
If you intend to file a lawsuit for additional damages, such as pain and suffering, you generally have two years from the date of the accident to start legal action. Waiting too long could permanently bar you from seeking compensation in court.
Why Acting Early Matters.
Beyond legal deadlines, acting quickly helps preserve evidence, secure witness statements, and strengthen your case. Insurance companies also tend to scrutinize delayed claims more closely. The earlier you act, the better your chances of a successful recovery.
Don't Miss Your Opportunity to Claim Compensation
If you’ve been in an accident, every day counts. Contact us today for a free consultation to ensure your claim is filed properly and on time. Protect your rights — and your future.
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