In Ontario, there are two aspects to motor vehicle accident claims. The first component of your claim is the accident benefit claim. The second component is your claim against the owner and driver of the vehicle that caused the accident.
In a motor vehicle accident in Ontario, you are required to apply for accident benefits. These benefits are listed in a regulation called the Statutory Accident Benefit Schedule. These benefits are paid by your insurance company if you have automobile insurance. If you do not have automobile insurance, then you would claim against the insurer of the vehicle you are in at the time of the accident or the insurer of the other vehicle involved in the accident.
Read more here: https://jslaw.ca/motor-vehicle-accidents
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