A person injured in a
motor vehicle collision in Ontario can submit a claim for
accident benefits, Ontario's system of no-fault insurance, and,
if the collision is someone else's fault, can sue the other
driver for negligence (a tort claim). In both circumstances, the
injured victim will primarily be dealing with insurance companies
who are obligated to respond to the claims on behalf of their
policyholders.
Sometimes it can be confusing to know whose insurance company is
responsible for responding to an injured person's accident
benefits claim or tort claim. In Ontario, all licensed vehicles
require insurance, so the majority of car accident victims will
have some source of insurance either from their own insurance
company or the other driver's.
