An injury in Toronto can disrupt your health, your work, and your daily life. You may face medical bills, missed paycheques, and ongoing pain that affects how you move and function. When this happens, you have the right to seek compensation.
You can claim compensation for losses such as medical costs, lost income, pain and suffering, and other injury-related expenses if someone else caused your harm. The amount and type of compensation depend on how the injury affects your life, both now and in the future.
Medical Expenses Coverage
After an injury in Toronto, you can claim compensation for reasonable medical expenses linked to the accident. This may include hospital care, ambulance fees, doctor visits, medication, and rehabilitation.
OHIP covers many basic health services, but it does not pay for everything. You may need to claim costs such as physiotherapy, chiropractic care, counselling, or assistive devices through auto insurance or a personal injury claim.
If you were hurt in a motor vehicle accident, Ontario’s Statutory Accident Benefits Schedule can provide limited medical and rehabilitation benefits. These benefits apply even if you were at fault. If your treatment costs go beyond those limits, you may seek further compensation from the at‑fault party.
A personal injury lawyer, such as those at Bergel Magence Personal Injury Law firm, can help you identify which expenses OHIP covers and which ones you can pursue in a claim You can also claim future medical costs if your injury requires ongoing care.
Lost Income Compensation
If your injury keeps you from working, you may claim compensation for lost income. This applies if you cannot return to your job or can only work fewer hours because of your injuries.
If your injury happened at work, you may qualify for benefits through the Workplace Safety and Insurance Board (WSIB). WSIB may pay you up to 85% of your pre-injury take-home pay if it approves your claim. You must take part in your recovery and any return-to-work plan.
If a car accident caused your injury, you may claim income replacement benefits through your auto insurance. These benefits provide partial income support if you cannot perform your job duties. Coverage limits and eligibility rules apply.
In some cases, you may also claim lost wages as part of a personal injury lawsuit against the at-fault party. You must show proof of your income and how the injury affected your ability to work. Pay stubs, tax returns, and medical records often support your claim.
Pain and Suffering Damages
You can claim pain and suffering damages for the physical pain and emotional distress caused by your injury. The law calls these non-pecuniary damages. They cover the loss of enjoyment of life, anxiety, and lasting discomfort.
Ontario courts look at how serious your injury is and how it affects your daily life. They review medical records, expert reports, and your own evidence. More severe and long-term injuries usually lead to higher awards.
In Canada, the Supreme Court has set a cap on pain and suffering damages. In 2026, that cap is about $450,000 for the most severe injuries. Most cases fall well below this amount.
If you were hurt in a car accident in Ontario, a statutory deductible may apply. In 2026, this deductible is about $47,000 for many claims. The court subtracts this amount from your award unless your damages exceed a set threshold.
Attendant Care Costs
You can claim attendant care costs if you need help with daily tasks after your injury. This includes assistance with bathing, dressing, eating, moving, or taking medication. The goal is to cover the cost of care you require because of the accident.
In Ontario, you may receive attendant care benefits through your auto insurance policy if a motor vehicle caused your injury. These benefits can help pay for a personal support worker or other trained caregiver. The amount available depends on the severity of your injuries and your policy limits.
You can also claim attendant care as part of a tort lawsuit against the at‑fault party. This claim can include unpaid care provided by family members from the date of the accident to the trial. Courts look at the level of care you needed and the time spent providing it.
If you live in a care facility or retirement home, you must provide a detailed breakdown of the care costs. Clear records and medical evidence help support your claim.
Rehabilitation and Therapy Expenses
You can claim the cost of rehabilitation and therapy after an injury in Toronto. These expenses often include physiotherapy, chiropractic care, massage therapy, and occupational therapy. If your doctor recommends treatment, you may seek compensation for those costs.
In motor vehicle accident cases, Ontario’s accident benefits system may cover medical and rehabilitation expenses. Coverage can include physiotherapy, psychological counselling, assistive devices, and certain medical supplies. For non-catastrophic injuries, there is a standard combined funding limit for medical, rehabilitation, and attendant care benefits.
If you suffer a catastrophic injury, higher limits may apply. Your treatment plan must meet the rules set out in the Statutory Accident Benefits Schedule.
In non-motor vehicle cases, you can claim reasonable and necessary therapy costs from the at-fault party. Keep receipts, treatment plans, and medical reports to support your claim. Proper records help show that your rehabilitation expenses relate directly to your injury.
Conclusion
You can claim several types of compensation after an injury in Toronto, depending on how the accident happened and how it affects your life. This may include medical costs, lost income, pain and suffering, and future care needs. In motor vehicle cases, you may also seek payment through accident benefits and, in some cases, a tort claim against the at‑fault party.
Your right to compensation depends on the facts of your case, the evidence you provide, and Ontario law. Acting early, keeping records, and understanding your options can protect your claim. When you know what you can claim and how the process works, you place yourself in a stronger position to recover fair compensation.