Your Legal Rights Under MVA's No‑Fault Legislation

To sue for these damages you must prove that your injury "meets the threshold": This means that in order to recover damages for pain and suffering you must have sustained as a result of the accident either a:

• permanent serious impairment of an important physical, mental or psychological function; or
• permanent serious disfigurement (i.e. scarring)

If your injury meets the threshold, you are entitled to an award of general damages subject to a $44,367.24 deductible. In cases where the general damages amount to $147,889.59 or more, there is no deductible.

No. The threshold only applies to the extent that your injuries were caused by the negligence of other drivers and/or owners of motor vehicles.

Yes. Family members may sue for loss of care, guidance and companionship, although such claims are subject to a $22,183.63 deductible.

No. They only apply when you are suing for non-pecuniary general damages.

You cannot receive any loss of income for the first 7 days after the collision.

Before trial, you are entitled to 80% of your net loss of income (less any accident benefits which are received). After trial, you can receive 100% of your gross loss of income, less any accident benefits or other collateral benefits paid by your own insurance company or disability insurance provider.

If you have sustained an injury that meets the threshold, you are able to claim the cost of all medical and rehabilitation expenses incurred as a result of your accident, in excess of amounts paid or available from your own insurer.

A common example of "other pecuniary losses" is the cost of hiring somebody to perform your daily activities (i.e., household chores) that you are no longer capable of doing because of your accident.