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Motor Vehicle Accidents Lawyer

For Victims of Motor Vehicle Accidents

  • We know this is a difficult time in your life. You deserve to be treated with respect. We take your rights seriously.
  • Speak with us today to discover your legal options. We’re focused on helping you get better, however we can.
  • There is no fee to talk to us and we charge no fee until you collect compensation. You can ask us anything.

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Personal Injury Lawyers for Motor Vehicle Accident Victims

Before starting MacIsaac Gow LLP we worked for over 10 years on behalf of insurance companies and hundreds of at-fault drivers. We are well suited to represent your interests and achieve the highest level of compensation for you.

Your rights following a motor vehicle accident, and ability to receive compensation, are heavily regulated by the Ontario government.

If you are involved in a car accident, you are entitled to be paid for the costs of your treatment. You may also be entitled to payment for lost wages and assistance with your day-to-day needs. We will help you understand your rights and ensure that you receive all payments that you are entitled too.

You may be entitled to a payment for your pain and suffering. The tests involved in determining your right to compensation are complex. Let us help you by using our extensive experience to achieve the best possible results!


If you have been in a motor vehicle accident in Ontario, there are two ways to seek compensation. The first way is through an accident benefit claim. The second is a claim against the owner or driver of the vehicle that caused the accident to occur.

Accident Benefits

Whether the accident was your fault or not, or whether you were a driver, passenger or pedestrian who was injured, you are entitled to Accident Benefits. What this means is that you can file a claim against your own insurance company for various benefits under the Statutory Automobile Insurance Act (“SABS”). The benefits include Medical, Rehabilitation and Attendant Care Benefits, Income Replacement Benefits, Non-Earner Benefits, and Caregiver Benefits, among others.

You must notify your insurance company within seven days of when the accident occurred for Accident Benefits.

Tort Claim

Another avenue to receive compensation for a motor vehicle accident is by bringing a lawsuit against the person who is at fault. This will provide you the opportunity to receive compensation from anyone who contributed to the accident. You can claim compensation for pain and suffering (commonly referred to as general damages), income loss, housekeeping costs, healthcare costs, and out of pocket expenses, among other things.

Limitation Period

In Ontario, you have two years from the date your injury was discovered to bring forward a lawsuit. If this is not done, you may never be able to bring a claim for your injuries. That is why it is important to immediately speak to a lawyer following an accident. They will advise you on the best course of action to ensure no important limitation periods are missed. The earlier you seek legal help the better!

Threshold test and Deductible

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Most people are unaware that in Ontario, there is a threshold test and statutory deductible. To meet the threshold test, you must suffer a serious permanent impairment of an important physical and/or psychological function. This is a high threshold and what is ultimately considered is how your life has been altered as a result of the accident.

The statutory deductible is currently 39,754.31, meaning the insurer of the person who caused the accident is entitled to deduct this amount from your pain and suffering compensation. If the damage award is more than $132,513.28, you are entitled to 100% of your pain and suffering compensation, with no deductions being made to the defendant’s insurer.

All sounds a little confusing? We know. That is why our team at MacIsaac Gow is here to help you! Leave it up to us to get you the compensation you deserve.

Why You Need a Good Lawyer After an Accident

Whether you are dropping your kids off at school or simply grocery shopping, motor vehicle accidents can happen anytime, especially when you least expect it. These accidents can result in severe consequences for those involved. Negligent drivers who are not too careful on the road can cause collisions that lead to property damage, injuries, and even fatalities. These accidents can have a profound impact on the lives of those affected, both physically and emotionally.

In Ontario, Canada, the Compulsory Automobile Insurance Act ensures that all motorists carry a minimum level of insurance coverage to protect themselves and others in the event of an accident. This insurance coverage provides certain benefits known as statutory accident benefits, which are designed to assist accident victims in their recovery process.

Statutory accident benefits include coverage for medical and rehabilitation expenses, income replacement benefits, attendant care benefits, and other forms of compensation. These benefits are available regardless of who was at fault in the accident, ensuring that accident victims can access necessary support and resources during their recovery.

However, navigating the process of obtaining and maximizing these statutory accident benefits can be complex and overwhelming, especially while recovering from injuries. This is where the expertise of a motor vehicle accident lawyer becomes invaluable.

Motor vehicle accident lawyers can assist in several ways. They can gather evidence, such as accident reports, medical records, and witness statements, to build a strong case for their clients. They can also negotiate with insurance companies to secure fair settlements that cover medical expenses, lost wages, pain and suffering, and other damages resulting from the accident.

At MacIsaac Gow LLP, we firmly believe that no one should have to pay for someone else’s negligence. Therefore we are committed to getting justice for the victims involved in car accidents.

What to Do After Being Involved In a Motor Vehicle Accident

If you have been involved in a motor vehicle accident, it is important to know what to do next. No matter how minor or severe the crash, you should take steps to protect your rights and secure the best possible outcome.

First, you should get medical attention immediately, even if you don’t think you are injured. Next, you should report the accident to your insurance company and the police. You should also exchange information with any other drivers involved in the accident.

The police will file an official report, which you can use as evidence when filing an insurance claim or pursuing a personal injury lawsuit.

It is also important to document everything related to the accident. This includes taking photos of the scene and collecting witness contact information. You should also write down any details you remember about the crash, such as the time of day, road conditions, etc. All of this evidence can be used to support your claim for compensation.

Finally, you should contact a personal injury lawyer right away. A lawyer can help you navigate the complicated legal system, handle negotiations with insurance companies, and build a strong case on your behalf. At MacIsaac Gow LLP, we have been helping numerous clients recover damages after motor vehicle accidents, and we are there to assist you.

How We Can Help Protect Your Rights After an Accident

If you’ve been involved in a motor vehicle accident, it’s important to have the right legal representation to ensure that your rights are protected. We are specialized motor vehicle accident lawyers at MacIsaac Gow LLP and can help you navigate the complexities of insurance companies, court proceedings, and more.

Our lawyers will handle all aspects of your claim, from evaluating evidence and negotiating with insurance companies to ensuring you receive the compensation you deserve. We also work to maximize any settlements you receive in a timely manner so that you can start rebuilding your life and recovering from the effects of the accident.

At MacIsaac Gow LLP, we take a personalized approach to our client’s cases, getting to know them and their needs so that we can develop effective strategies to achieve their desired outcomes.

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Frequently Asked Questions

What is the limitation period for motor vehicle accidents in Ontario?

The statute of limitations for the motor vehicles act in Ontario is two years, meaning you have up to two years to file a claim for an accident.

What are the things to follow to avoid a motor vehicle accident?

To avoid a motor vehicle accident, you must refrain from drinking and driving. The second is to follow the speed limit prescribed on the roads. The third is to maintain a safe driving distance from other cars on the road.

How long does it take to settle a motor vehicle accident case in Ontario?

Depending on your individual circumstances, it can take anywhere from a few months to years to settle your motor vehicle case.

Can you be charged for a motor vehicle accident in Ontario?

After a car accident in Ontario, you must fulfill certain obligations established by the Criminal Code and Highway Traffic Act (HTA). Failure to do so may result in charges under either law, with penalties that include fines, jail time, probation, and driving prohibitions.

Real Clients · Real Reviews

Happy to write a review for Fraser and his team. I felt supported every step of the way. I never had to reach out for information as I was kept informed throughout the whole process. I felt like the team had my back and everything was sorted in a timely manner. I was pleased with the outcome. I highly recommend MacIsaac Gow!
Tina Ginglo
Tina Ginglo
22:51 06 Sep 23
Fraser Gow is a great lawyer. Fraser is very professional, sincere, thoroughly, and great at communicating. I could not have been happier with the outcome of my case. Thank you to Fraser and his amazing team!
Nicole Pagaduan
Nicole Pagaduan
14:29 08 Sep 23
Fraser Gow,was great to work with. My initial consult told me he was the person for the job.I was very grateful for his prompt responses and attention.Fraser most importantly made me feel taken care of and protected throughout the entire process.Fraser’s team was a pleasure to work with and very professional, sure will use him again and recommend it to friends.Thank you, Fraser Gow
Fatima Amorim
Fatima Amorim
17:30 31 Jul 23
Working with Fraser Gow and his team was a pleasure. They were very professional, highly experienced and always up front and honest. Even though my case took years they were there to support and answer questions when needed. I would highly recommend Fraser for an injury legal claim and I thank you Fraser for all of your support.
Diane K
Diane K
15:23 02 Jun 23
I would like to say thank you to Fraser Gow and his team for the great job they did on my case. I went through 2 years of a stress free case cause he took care of everything I needed to be heard and validated in reguards to my injury. A job well done thanks again Fraser Gow.All the best Lisa
lisa ryall
lisa ryall
17:57 20 Jun 23