Car Accident Recovery

A woman in a winter coat crouches to touch the icy road beside her car, which has a small dent in the front bumper.
“Where Do I Report This Crash?” | Ontario Collision Reporting Centres: What to Bring, What Happens and What to Write Down
A Collision Reporting Centre is where most Ontario crashes get reported to police. Here is how long you have in your region, what to bring, what happens at the counter,... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in Nunavut
If you were hit by a vehicle while walking in Nunavut, you are not outside the system because you weren't in a vehicle. Here is who to call when there... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in the Northwest Territories
If you were hit by a car while walking in the Northwest Territories, you are not outside the system because you weren't in a vehicle. Here is what accident benefits... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in Yukon
If you were hit by a car while walking in Yukon, you are not outside the system because you weren't in a vehicle. Here is who pays first, why Yukon... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record on PEI
If you were hit by a car while walking on Prince Edward Island, you are not outside the system because you weren't in a vehicle. Here is what Section B... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in Newfoundland and Labrador
If you were hit by a car while walking in Newfoundland and Labrador, you are not outside the system because you weren't in a vehicle. Here is who pays first,... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in New Brunswick
If you were hit by a car while walking in New Brunswick, you are not outside the system because you weren't in a vehicle. Here is what Section B covers,... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in Nova Scotia
If you were hit by a car while walking in Nova Scotia, you are not outside the system because you weren't in a vehicle. Here is what Section B covers,... Read more...
Un homme âgé avec un plâtre à l'avant-bras marche sur un trottoir achalandé en ville, au bras de son fils adulte.
« Le conducteur n'a rien vu! » | Accident de piéton au Québec : quoi faire et quoi noter
Après un accident de piéton au Québec, la SAAQ vous indemnise sans égard à la responsabilité. Ce qui est couvert, pourquoi les soirs de novembre sont les plus risqués, quoi... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in Saskatchewan
If you were hit by a car while walking in Saskatchewan, you are not outside the system because you weren't in a vehicle. Here is what SGI covers, why No... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in Manitoba
If you were hit by a car while walking in Manitoba, you are not outside the system because you weren't in a vehicle. Here is what MPI covers, why Winter... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in BC
If you were hit by a car while walking in BC, you are not outside the system because you weren't in a vehicle. Here is what ICBC's Enhanced Care covers,... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in Alberta
If you were hit by a car while walking in Alberta, you are not outside the system because you weren't in a vehicle. Here is what Section B covers, why... Read more...
An older man with a cast on his forearm walks along a busy city sidewalk with his adult son holding his arm.
“A Driver Didn't See Me!” | Hit by a Car While Walking? What to Do and What to Record in Ontario
If you were hit by a car while walking in Ontario, you are not outside the system because you weren't in a vehicle. Here is what applies, why November evenings... Read more...
A woman sits in her parked car at dusk with a hand to the back of her head, street lights reflecting on the wet road.
“It Was Already Dark at Five!” | Hurt on the Drive Home: Evening Crashes After the Clocks Change
When the clocks go back on Sunday 1 November 2026, the drive home suddenly happens in the dark. Here is why evening crashes rise in the Fall, when to report... Read more...
Two friends laugh over mugs of tea at a café table, rain running down the window beside them.
“I Need Help After My Crash!” | Car Accident Injury Claims in Newfoundland and Labrador
How a car accident injury claim works in Newfoundland and Labrador: whether your policy carries accident benefits, the treatment protocols, the deductible, the 120-day notice and what to record. Read more...
A man wearing a knee brace goes through papers at a picnic table while his wife laughs beside him, red soil fields behind them.
“Who Pays for My Treatment?” | How the PEI Auto Insurance System Works After a Crash
Section B pays for treatment and lost income on Prince Edward Island whoever caused the crash. What it covers, the deadlines, the minor injury cap and what to record. Read more...
Une femme portant un collier cervical souple écrit dans un carnet à sa table de cuisine, les maisons colorées d'un village côtier visibles par la fenêtre.
« Je ne sais pas par où commencer! » | Réclamation après un accident de la route au Nouveau-Brunswick : Chapitre B, plafond des blessures mineures et quoi noter
Après un accident de la route au Nouveau-Brunswick, le Chapitre B de votre propre assureur paie d’abord. Ce qu’il couvre, le plafond de 9 926,59 $, les délais, que faire... Read more...
An older woman with a wooden cane walks arm in arm with her husband along a riverside path under orange maple trees.
“Where Do I Start With My Claim?” | New Brunswick Car Accident Injury Claim: Section B, the Minor Injury Cap and What to Record
After a crash in New Brunswick, Section B from your own insurer pays first. What it covers, how the $9,926.59 minor injury cap works, the deadlines, what to do if... Read more...
A man with his arm in a sling writes in a notebook on the porch of his wooden house, the ocean behind him and his dog asleep at his feet.
“It Doesn't Feel Minor to Me!” | Nova Scotia Minor Injury Cap: What It Means for Your Recovery and What to Record
Nova Scotia's minor injury cap is $10,862 for crashes in 2026. What counts as a minor injury, what Section B still pays, the timelines, and what to record while you... Read more...
A young woman checks her phone at a coffee shop window table, red brick buildings and snow outside.
“I Need to Open an MPI Claim!” | Hurt in a Car Crash in Manitoba? How an MPI Injury Claim Works
How a Manitoba car accident injury claim works under MPI's Personal Injury Protection Plan: opening a claim, what PIPP pays in 2026, the 60-day and 90-day review clocks, free help,... Read more...
A woman in a winter coat crouches to touch the icy road beside her car, which has a small dent in the front bumper.
“I Never Saw the Ice!” | Black Ice Crash: Who Pays, and What to Record, Province by Province
Black ice rarely settles who was at fault, and in much of Canada your injury benefits don't depend on it. How it works province by province, and what to record. Read more...
A man in a parka takes photos of a snowy highway with his phone, flashing lights on a vehicle behind him.
“My Car Slid on a Snowy Road!” | Hurt in a Winter Crash in Canada? What to Do and What to Write Down
Snow and ice don't take away the injury benefits every province provides. What to do after a winter crash in Canada, and what to write down in the first week. Read more...
A teenage boy with his arm in a sling holds a game controller on the sofa while his mother sits beside him, writing in a notebook and smiling.
“I Got the Call About My Teen!” | Your Teen Was in a Car Accident: What Families Should Write Down
The phone call every parent dreads has come, and your teen is shaken or hurt. Here is how recovery works for someone under 18 in Canada, and what your family... Read more...
A woman with a bandaged wrist makes a phone call from her parked car, writing notes in a notebook.
“I'm About to Call My Insurer!” | Hurt in a Crash in Ontario? Your First Call Needs One Very Important Extra Sentence
Reporting your crash to your insurer is not the same as telling them you intend to apply for accident benefits. Ontario's Court of Appeal made that clear in September 2026.... Read more...
An older man sorts a pile of receipts at his kitchen table, a kettle on the stove and fog outside the window.
“Why Is My Payout Smaller?” | No Cap, But a $5,000 Deductible: Claims in Newfoundland and Labrador
Newfoundland and Labrador rejected a cap and raised a deductible instead: $5,000 comes off every pain and suffering award. What that means for small claims, the 120-day notice almost nobody... Read more...
A hairstylist wearing a wrist brace checks her phone in her empty salon, combs and scissors on the counter in front of her.
“I Can't Go Back to Work Yet!” | Can You Claim Lost Wages After a Car Accident in Ontario?
Income replacement used to come inside every Ontario policy. Since 1 July 2026 it is optional. How to check whether you have it, what it pays, the test that changes... Read more...
A woman with her foot in a walking boot reviews papers at a small table by her apartment window, a coffee and a croissant beside her and a spiral staircase across the street.
“I Disagree With the SAAQ!” | What the SAAQ Pays, and How to Contest a Decision
Quebec's public plan has paid regardless of fault since 1978, and nobody sues. What the SAAQ pays in 2026, from income replacement to home care, the three-year limit on claiming,... Read more...
A man writes in a notebook at his dining table as his wife sets a cup of coffee beside him, snow falling outside the window.
“I Want MPI to Look Again!” | MPI Said No. What Happens Next in Manitoba?
In Manitoba you cannot sue, so an MPI decision is the whole claim. What PIPP pays in 2026, the 60-day and 90-day clocks for challenging a decision, and the free... Read more...
A farmer with his arm in a sling talks on his phone beside his pickup truck on a gravel road next to a wheat field.
“I Was Hurt in a Crash in Saskatchewan!” | No Fault or Tort: Which SGI Coverage Do You Have?
Saskatchewan is the only province that lets you choose your auto injury coverage, and unless you filed a declaration you have No Fault. What each one pays in 2026, when... Read more...
A woman holds a cup of tea with her laptop on her knees on a balcony, misty mountains in the distance.
“I Was Hurt in a Crash in BC!” | What Does ICBC Owe You Under Enhanced Care?
Since May 2021 there is usually no one to sue in British Columbia. What Enhanced Care covers, which decisions people end up disputing, and how a dispute reaches the Civil... Read more...
A woman with her arm in a sling laughs with a friend over coffee at a small-town diner window, a grain elevator on the prairie outside.
“They Called My Injury Minor!” | What Is the Minor Injury Cap in Alberta?
Alberta's minor injury cap is $6,306 for an accident on or after 1 January 2026, the lowest in Canada. What it covers, the three-part test that takes an injury past... Read more...
A smiling young man in a grey hoodie and a wrist brace walks barefoot along a red sand beach with his dog, red clay cliffs and green fields behind him.
“They Called My Injury Minor!” | What Is the Minor Injury Cap in Prince Edward Island?
For an accident in 2026, the most recoverable for pain and suffering from a minor personal injury on Prince Edward Island is $9,659. What the cap covers, the three injuries... Read more...
A man in a back support belt stretches on the living room rug while his toddler giggles beside the sofa.
“They Called My Injury Minor!” | What Is the Minor Injury Cap in Nova Scotia?
For an accident in 2026, the most recoverable for pain and suffering from minor injuries in Nova Scotia is $10,862. What the cap covers, the three-part test that takes an... Read more...
Two women in sweaters walk and laugh together along a harbour wharf, fishing boats tied up behind them.
“They Called My Injury Minor!” | What Is the Minor Injury Cap in New Brunswick?
For a crash on or after 1 January 2026, the most recoverable for pain and suffering from a minor personal injury in New Brunswick is $9,926.59. What the cap covers,... Read more...
A smiling woman in a grey T-shirt chats with her physiotherapist beside a treadmill in a bright clinic, treatment tables behind her.
“They Say My Injury Is Minor!” | What Is the Minor Injury Guideline in Ontario?
The Minor Injury Guideline caps medical and rehabilitation benefits at $3,500. What the regulation counts as a minor injury, the two routes out of it, and why the records decide... Read more...
A young man in a soft neck collar talks with his family doctor in a small exam room.
“Why Do They Want All This?” | What Does an Insurance Adjuster Actually Look For in Medical Records?
An adjuster reading your medical records is looking for a continuous account of the injury. When it started, how it changed, what treatment you had and what it kept you... Read more...
A man rubs his neck while writing in a small notebook at a café window table, a glass of water and his phone beside him.
“My X-Ray Was Clear, but I Still Hurt!” | How Do I Prove a Soft Tissue Injury Without a Scan?
If your scan came back clean and you are still in pain, both of those things can be true at the same time. What stands in for the picture is... Read more...
A man in a neck brace sits in the passenger seat of a parked car, reading a letter outside a medical building on a snowy day.
“I Wasn't Even Driving!” | Do I Have a Claim if I Was a Passenger?
If you were the passenger, you can open a claim of your own. It is a separate file in your name with its own number, and it is the one... Read more...
A man with his arm in a sling sits at a desk with a laptop and an open notebook beside binders labelled for insurance documents, medical records and bills
“I Don't Know Which Guide I Need!” | The Hurt Square Companion Guide System Explained
What Hurt Square makes, what the guides are called and how the national guide and the provincial Companion Guide do two different jobs that both matter. Read more...
A woman in a headscarf sits on a bed writing in a journal beside a window with candles and plants nearby
“I Don't Feel Like Myself!” | Emotional Recovery After an Injury
Distress after an injury is part of the injury. What is normal, why being doubted is exhausting, when to get support and what to record alongside the physical. Read more...
A woman stands beside her damaged car on a suburban street while a police officer records details on a clipboard and a cruiser waits behind them
“I Was in a Crash and I'm Shaken!” | What to Do After a Car Accident in Ontario: The Complete Guide
A plain-language walk through what to do after a car accident in Ontario, from the scene to accident benefits, the tort claim and documenting your recovery. Read more...
A woman wrapped in a blanket sits by a window writing in a notebook with a mug on the sill beside her
“I Don't Know What to Write Down!” | How to Document Injuries After a Car Accident
Start a written record within 72 hours and add to it daily for two weeks. What to track, what makes a record credible and what you are allowed to do. Read more...
A physiotherapist guides a man through an overhead arm stretch in a clinic with a harbour view behind them
“When Will I Feel Like Me Again?” | Still Hurting Weeks After a Crash? How Long Recovery Really Takes
Recovery timelines after a collision vary widely. What shapes yours, what real progress looks like and how tracking reveals what you cannot feel day to day. Read more...
A woman photographs the rear of her car on a snow covered road while a police officer writes notes beside her
“Everything Happened So Fast!” | What to Do After a Car Accident in Canada
Four steps apply everywhere in Canada. Everything after that depends on your province. Who insures you, whether you can sue and which deadlines apply. Read more...
A man sits on a sofa in a bright living room holding the back of his neck while he reads something on his phone
“I Felt Fine. Now I Hurt!” | Why Car Accident Injuries Sometimes Appear Days Later
Many people feel fine after a crash and develop symptoms hours or days later. Why adrenaline masks pain, which injuries are delayed and what to do next. Read more...
A woman photographs damage to the front of her car on her phone while a police officer beside her writes notes on a clipboard
“I Was in a Crash Today!” | The First 72 Hours After a Car Accident
The three days after a collision shape both your health and your claim. A calm, ordered guide to what to do first, what to record and what to avoid. Read more...