What is “no fault” automobile insurance?

In Ontario, there is a legislated system in place that seriously limits your rights to sue and recover damages for injuries sustained as a result of a motor vehicle accident, even if you were not an "at fault" driver. At the same time, this system makes available a set of mandatory benefits ("Accident Benefits") that insurers must pay to injured parties, including "at fault" operators, passengers in vehicles and injured pedestrians. The nature of these benefits is described in greater detail elsewhere in this manual.

The process of recovering damages and benefits through insurers is anything but simple. The formal application, required documentation and supporting materials can overwhelm even seasoned legal professionals who are not familiar with this area.