Car injury calculator.
Ontario settlement estimates, 2026.

A car injury calculator estimates the potential value of an Ontario car accident or personal injury claim. This calculator uses 2026 Ontario figures for pain and suffering, medical expenses, lost income, and future care. It is a rough estimate only — actual settlements depend on medical evidence, fault, insurance limits, and (for car accidents) the statutory pain-and-suffering deductible. It is not legal advice.

Personal injury settlements in Ontario (2026) typically include: medical expenses (past and future), lost income, pain and suffering (capped at approximately $470,000, indexed annually), and future care costs. The final value depends on injury severity, liability, age, permanent impairment, and available insurance coverage.

Car accident settlements in Ontario (2026) vary widely. Soft tissue injuries may settle for $5,000–$25,000, fractures $15,000–$50,000, and severe injuries like traumatic brain injuries can exceed $250,000–$470,000. Each case depends on specific injury details, liability, insurance policy limits, and long-term impact. Use the car injury calculator on this page for a rough range, then speak with a lawyer for a proper valuation.

This calculator estimates a tort (lawsuit) settlement range — medical costs, income loss, pain and suffering, and future care. Car accident claims in Ontario also have a separate no-fault accident benefits (SABS) stream from your own insurer. Accident benefits are not the same as a settlement against the at-fault driver. Speak with a personal injury lawyer to value both parts of a car accident claim.

Simple personal injury claims may settle in 6-12 months, while complex cases with severe injuries can take 2-4 years. Factors affecting timeline include injury severity, liability disputes, medical treatment completion, and negotiation with insurance companies.

While not legally required, a personal injury lawyer significantly increases your settlement value. Lawyers understand Ontario insurance law, accurately value claims including future losses, negotiate with adjusters, and ensure you meet strict limitation periods. Most work on contingency (contingency fee).

As of 2026, Ontario law gives you 2 years from the date of injury (or discovery) to file a personal injury lawsuit under the Limitations Act. However, some claims (like municipal slip-and-falls) require written notice within 10 days. Missing these strict deadlines can permanently bar your claim, so consult a lawyer immediately after an injury.