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Am I Still Covered If I Get Into An Accident With An Uninsured Motorist?

The thought of getting into an accident with an uninsured motorist is every Ontario resident’s nightmare. Every personal injury lawyer in Ontario knows that insurance coverage is mandatory for anyone who drives on public roads in the province. But there are still those who will test the limits of law enforcement and take to the roads without insurance.

There are several reasons why people drive without insurance, even though it is illegal. Some of the more common reasons include:

  • Their insurance lapsed and they cannot afford the premiums.
  • They borrowed the car and were unaware that it did not have insurance.
  • The driver had his registration revoked, which cancels the insurance.

The reason why there is no insurance on a vehicle is not as important as the fact that there are people out there driving vehicles that do not have insurance coverage on them. As any good car accident lawyer will tell you, the victim’s insurance company is not always going to cover injuries and damages that are sustained in an accident. That means that a victim could be in a lot of financial trouble if he is struck by a motorist who does not carry insurance.

Ontario insurance companies are aware of the issues that can be caused when a policyholder gets into an accident with an uninsured motorist. That is why each province in Canada has minimum limits set up that insurance companies will pay in the event that their policyholder is in an accident with an uninsured motorist.

In some provinces, the limits of coverage are actually zero. That means that a traumatic brain injury lawyer in those provinces will have to sue the at-fault driver to try and get a monetary settlement for the victim. In Ontario, insurance companies will pay up to $200,000 in damages to the victim of an uninsured driver. In some cases, the uninsured driver will need to be identified, although there could be times when the identity of the driver is not required. You will need to talk to your lawyer to find out which is the case in your situation.

It is generous of the Ontario insurance companies to offer $200,000 of coverage for uninsured motorists, but it may not be enough. Some of the expenses that a victim can accrue because of an auto accident include:

  • Lost wages
  • Emergency medical costs
  • Long-term care costs
  • Replacement of property costs, including repairing or replacing the damaged vehicle

If you are involved in an accident with an uninsured motorist in the province of Ontario, then you need to hire the services of a good personal injury lawyer immediately. If you cannot cover your expenses from the coverage offered by the insurance company, then you will have to seek your damages from the civil court system. In any event, getting into an accident with an uninsured driver can be a bad situation for the victim and his or her family.


For assistance with a personal injury and/or insurance claim, please email David Himelfarb at or call 1-855-446-7765, for a free case evaluation.

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