Committed advocacy for injured people in Toronto, with no upfront cost on most matters.
Personal Injury
Personal injury claims in Ontario are shaped heavily by the province's no-fault insurance system: after a car accident, injured people first look to their own auto insurer for statutory accident benefits under the Insurance Act, regardless of who caused the crash, before considering a lawsuit against an at-fault driver. Civitas Law helps Toronto clients understand what benefits they're entitled to, pursue disputed or denied claims, and evaluate whether a tort claim against an at-fault party is available given Ontario's injury threshold.
We also assist with slip-and-fall and other negligence-based injury claims arising in the GTA.
Direct access to your lawyer at every stage, with clear, honest advice about your options.
We help clients pursue accident benefits and, where the injury threshold is met, tort claims against at-fault drivers.
We assist clients whose insurer has denied or reduced medical, rehabilitation, or income replacement benefits.
We evaluate and pursue claims against property owners or occupiers under Ontario's Occupiers' Liability Act.
We assist clients whose long-term disability insurer has denied or terminated benefits.
We represent pedestrians and cyclists injured by motor vehicles in Toronto traffic.
We help clients with serious, life-altering injuries navigate the benefits and compensation process.
We assist families pursuing claims for the loss of a family member due to negligence.
Ontario operates a no-fault auto insurance system under the Insurance Act and its Statutory Accident Benefits Schedule (SABS), which means an injured person applies for medical, rehabilitation, attendant care, and income replacement benefits through their own insurer regardless of fault. To sue an at-fault driver for pain and suffering or other damages, an injured person generally must meet the 'verbal threshold' of permanent serious impairment set out in the legislation, and any award is typically subject to a statutory deductible.
Ontario also imposes strict notice and limitation periods, including a general two-year limitation period to sue and a 120-day notice requirement in some accident benefit contexts, so acting promptly after an accident matters. Disputes over accident benefits are generally resolved through the License Appeal Tribunal, while tort claims proceed through the Ontario Superior Court of Justice.
Plain-language answers to the questions we hear most. Every matter is different, so treat these as a starting point.
Share a few details about your situation and we will get back to you within one business day. Consultations are confidential.