Ontario’s 2025 personal injury law changes make it harder for accident victims to secure full compensation, with higher deductibles and stricter settlement thresholds. Before accepting an insurance offer, it’s crucial to understand your rights—waiting too long or settling too soon could cost you thousands.

Starting July 1, 2026, Ontario’s auto insurance will undergo a big change: critical benefits like income replacement, caregiver support, and funeral coverage, which were once automatic, will now become optional add-ons.

As the winter months get closer, it is critical to plan ahead and take precautions as needed to reduce the likelihood of mishaps. Nearly 30% of all motor vehicle incidents, according to recent RCMP data, happened on slick, snowy, or icy roadways.