The AB Claim Process

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As soon as possible after the motor vehicle accident, you must notify the relevant auto insurance company of your intent to make a claim if you suffer from accident-related injuries.

The notification can be done in a variety of ways.  

The auto insurance company will then provide you with a claim package that will include the claim forms you need to pursue a claim. 

The insurance company will do a variety of investigations to determine your eligibility and entitlement to benefits The investigation will start from the moment you contact or notify the insurance company of the accident and/or your accident-related injuries.  

The insurance company will review the information they are provided with to make a determination as to whether or not you are eligible to benefits.

If the insurance company determines you are NOT eligible to benefits, they must notify you of their determination in writing. Accordingly, the insurer will take the position that you are not entitled to payment or reimbursement of injury-related losses and expenses. 

If the insurance company determines you ARE eligible to benefits, they must notify of this in writing. Accordingly, the insurance company's position should be that you are entitled to payment and reimbursement of injury-related losses and expenses.

The rules and procedures for paying and reimbursing losses and expense in an AB claim is regulated by the Ontario Government. This regulation is referred to as the Statutory Accident Benefits Schedule (SABS for short). The SABS requires auto insurance companies to pay and reimburse injury-related losses and expenses within 30 days of you claiming the losses and expenses.  

Your injury-related losses and expenses are paid by the insurance company under the headings of benefits specified in the Statutory Accident Benefits Schedule (SABS). The benefits are also paid in accordance with the rules and procedures of the SABS.

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