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Telling your insurance company that you were in a car accident is not a claim for accident benefits. They are two separate things, and the Ontario Court of Appeal confirmed in September 2026 that an insurer who knows about your crash has no duty to ask whether you were hurt or to send you the…

Two years after a car accident, the income replacement benefit gets harder to keep. For the first 104 weeks the question is whether you can do your own job. After that it becomes whether you suffer a complete inability to engage in any employment or self-employment for which you are reasonably suited by education, training…