After a Car Accident: What You Need to Know About the Law

Getting into an automobile accident can be a shock to the system, emotionally, physically, and financially. You may find yourself shaken up or with medical bills that can add up quickly and prevent you from being able to work. Property damage to your own car and to other automobiles may only be the beginning.

Insurance can be a hassle and you need to make sure that they deliver on what is covered. Knowing in advance what legal ramifications you can expect to face after a car accident and how to find the right Toronto motor vehicle accident lawyer is crucial. You’ll be able to take the unpleasant experience of a car accident and transform it into a process that is easy to navigate.

What to Do First

Immediately upon getting into an accident, it’s always a good idea to file a police report. This will make an insurance claim that much easier, and help in situations where another driver has engaged in criminal negligence. Your next call should be to your insurance company, as you’ll want to get the claims process started immediately so you can receive your settlement and have your vehicle repaired and medical bills paid as quickly as possible.

Understanding the Difference Between Fault and No Fault Insurance

Ontario has no fault car insurance. There will still be a person who is named as being at fault in an accident, but with no fault insurance it will not change which insurance company makes the payments. With at fault insurance, the insurance company of the person who is found to be at fault is responsible for making all payments, and if that insurance is insufficient, the victim of the accident may find it very difficult to recoup the money they are entitled to.

With no fault insurance you will only ever be dependent on the insurance company you chose and the policy which you bought in order to receive your correct insurance claim. However, it is vital that the accident is classified correctly, as this will determine a potential raise in your premium, and may also reflect on your deductible.

What Will You Need to File a Strong Lawsuit?

In order to build a strong case it’s vital to have the right personal injury lawyers on your team. To win a case, choosing the right legal team is the single most important choice you will make. Having the right paperwork and supporting evidence will make the process of researching the possible benefits of a lawsuit that much simpler.

  • Write a detailed report of your experience of the accident as soon after the accident occurs as possible
  • Take photos of the accident site
  • Bring all paperwork related to your insurance claim and policy
  • If applicable, bring medical records of all treatment received as a result of the accident
  • If you’ll be suing for lost wages then bring proof of current income


Whether you’re not receiving the payment that your insurance company owes you or are struggling to pay your bills because you’re unable to work as you recover from injuries sustained in a car accident, at HLD we are here to help you. Our full service law firm offers service that is customer-focused and knowledgeable and we always get the job done. Call us now to schedule a free consultation and find out more about how motor vehicle accident lawyers can help you.