Ontario has seen its share of unexpected incidents in the aviation industry, including rare plane accidents. If you’ve been affected by a plane accident, knowing your rights and how to claim compensation is crucial. Here’s a complete guide on what to do if you find yourself in such a situation

If you’ve been injured in a car accident—whether as a passenger, driver, pedestrian, or even in an Uber—you may be entitled to compensation. However, navigating insurance claims, legal processes, and medical documentation can be overwhelming. This guide will walk you through 10 key areas where claimants often face challenges, how to overcome these issues, and real-world examples to help strengthen your case.

In Kosal v. Aviva Insurance, 2017 ONSC 6594, the plaintiff’s lawsuit was dismissed because they failed to provide timely notice to their insurer. The judge ruled that the delay resulted in “prejudice” against the insurance company, barring the claim.

Future medical costs should be calculated with the help of medical professionals, rehabilitation specialists, and actuarial experts. Without these assessments, claimants often settle for far less than they will ultimately need.

• Maintain regular contact with your lawyer.

• Request written updates on case progress.

Personal injury law is complex. In Khan v. Harb, 2022 ONSC 2120, the plaintiff’s case was weakened due to improper filing.

Evidence is key in personal injury cases. In Stegenga v. Economical Mutual Insurance Co., 2019 ONCA 615, lack of documentation weakened the plaintiff’s case.

Courts often reduce damages when claimants fail to follow treatment plans. In Berta v. Johnston, 2010 ONSC 5716, compensation was reduced due to treatment non-compliance.

In Ontario, courts recognize future damages as part of personal injury claims. In Gordon v. Greig, 2007 ONCA 32, the plaintiff received significant compensation for long-term rehabilitation.

Insurance adjusters look for inconsistencies to reduce or deny claims. In Valdez v. Intact Insurance, 2018 ONSC 471, the court upheld a denial based on inconsistencies between a recorded statement and medical records.

Insurance companies often deny claims based on “failure to mitigate damages,” meaning if you don’t seek treatment promptly, they assume you weren’t injured—or that something else caused your injuries. In Simmons v. Yeung, 2013 ONSC 2072, the court ruled against a plaintiff due to delayed medical treatment, reducing their compensation significantly.

OCF-1 forms should be submitted within 30 days of the accident. Always file as soon as possible.

To have payments go directly to healthcare providers, you must initial the relevant section on your OCF form. Otherwise, bills will be sent to you instead.

Before submission, review every page. Ensure all required signatures and dates are present. Keep copies for your records.

If you were in a motor vehicle accident, your auto insurer is responsible for accident benefits—not your employer’s health insurance provider. Confirm the correct recipient before submission.

List every injury, even minor ones. Symptoms can develop over time, and insurers may reject claims for injuries not initially reported. Consult a doctor immediately after the accident to document all possible injuries.

Be clear and factual when describing your accident. Include details such as the location, type of collision, speed, weather conditions, and immediate symptoms. Avoid assumptions or excessive detail—stick to objective facts.

Each OCF form has detailed instructions outlining who must fill it out, what supporting documents are required, and where it should be submitted. Read the instructions carefully and follow them precisely. If you’re unsure, seek professional guidance before submitting.

Always double-check your personal details, including your full legal name, address, date of birth, insurance policy number, and all contact information. Any missing or incorrect information can lead to claim denials or unnecessary delays. Keep a copy of everything you submit, and if you change addresses or phone numbers, inform the insurer immediately.