Car Accident Lawyer in Toronto

Civitas Law is a team of legal professionals under the leadership of lawyer Nasibeh Mehrpouyan. We act for drivers, passengers, cyclists and pedestrians injured in collisions across Toronto and the GTA, in English, French, Farsi, Russian and Serbian.

Your first step is a free 10-minute case review with the lawyer. If you retain us on a contingency basis, the fee is a percentage of what is recovered and is set out in a written contingency fee agreement in the standard form Ontario law requires, including how costs, disbursements and HST are handled.

• Accident benefits (no-fault). Paid by your own insurer, or another insurer if you have no auto policy, under the Statutory Accident Benefits Schedule. Medical, rehabilitation and attendant care benefits are the core coverage. Since July 1, 2026 several other benefits that used to be included automatically are optional coverage, so what you can claim depends on the policy in place on the date of the accident.
• Tort claim against the at-fault driver. A lawsuit for pain and suffering, past and future income loss and care costs. For pain and suffering, Ontario law sets a threshold (a permanent and serious impairment) and a statutory deductible that reduces most awards, so the strength of the medical evidence matters.

The two claims run in parallel and affect each other, so they should be planned together.

• 7 days: notify your insurer that you intend to apply for accident benefits, or as soon as practicable.
• 30 days: return the completed application for accident benefits after you receive the forms.
• 120 days: give written notice of your claim to the at-fault driver, generally within 120 days of the accident.
• 2 years: the general limitation period to start a lawsuit, and to dispute a denial of accident benefits.

Missing a deadline does not always end a claim, but it creates problems that are easier to avoid than to fix.

• Call 911 if anyone is hurt. Report the collision to police or a Collision Reporting Centre as required.
• Photograph the vehicles, the scene, injuries and the other driver's licence, plate and insurance.
• See a doctor, even for injuries that seem minor, and follow the treatment plan.
• Keep receipts, a pain and symptom journal, and records of missed work.
• Do not give a recorded statement to the other driver's insurer before getting advice.

Our guide what to do after a car accident in Ontario goes through these steps in more detail.

Insurers often deny or cut off benefits, or put an injured person in the minor injury category, which caps treatment funding. Those decisions can be challenged at the Licence Appeal Tribunal, generally within two years of the denial. Medical evidence, clinical notes and a clear account of how the injury affects daily life usually decide these cases. See accident benefits denied in Ontario.

Book a free 10-minute case review or call (647) 271-1646 (the phone is answered 24/7). Speak with a lawyer for 10 minutes, free.