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An Overview of the Minor Injury Guideline

Ontario has had some form of “no fault” auto insurance since 1990, when the Ontario Motorist Protection Plan was passed. Since that time, Ontario motorists injured in auto accidents have been able to access various benefits under their own policy of insurance to assist them in their recovery. These “no fault benefits” include certain coverage for the costs associated with medical treatments and rehabilitation costs. Currently, for a non-catastrophic injury, that coverage is up to $50,000 within 10 years after the date of the collision.

The Minor Injury Guideline

The Minor Injury Guideline (MIG) was created in 2010, revised in 2011, and changed again in 2014. It was ostensibly designed with the idea of streamlining accident claims and providing injury victims with prompt access to health care services. However, many argue that it unfairly reduces accident benefits to people who need them and even denies benefits to certain injury victims due to a rigid and overly broad “minor injury” classification system.

What Qualifies as a “Minor Injury” Under the MIG?

Minor injuries per the MIG include the following:

  • Whiplash
  • Bruises
  • Lacerations
  • Strains, sprains

If your injuries are classified as “minor” under the MIG, your medical and rehabilitation benefits are automatically reduced from a maximum of $50,000 (as stated above) to only $3,500. Often a so-called “minor injury” as classified by the MIG can develop into chronic and debilitating pain that is anything but minor and may require years of treatment costing much more than the allotted $3,500 under the MIG.

If you have been injured, it is important to speak with a personal injury lawyer as soon as possible. Although it is possible to get out of the MIG, it is critical to work with an experienced lawyer as early as possible to ensure the best chance of avoiding the harsh consequences of the MIG and obtaining full and fair compensation and treatment in your case. The law in this area is complex and requires in-depth knowledge of the applicable legislation and case law.

Lomax Law Firm

Rein Lomax has helped the injured and their families in Ontario for nearly two decades. Contact Lomax Law Firm today at (519) 488-9378 for a complimentary consultation regarding your legal matter.

This website has been prepared by Lomax Law Firm for informational purposes only and does not, and is not intended to, constitute legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice from an attorney licensed in your jurisdiction. 

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