How Long Does an Insurance Company Have to Settle a Claim in Ontario?

March 27th, 2024
Nancy Sarmento Barkhordari
JD Barrister & Solicitor

In Ontario, defendant and Accident Benefits insurance companies are not required by law to settle your claim within a prescribed period or at all.  In addition, there may be a host of issues that can lengthen or complicate the claims and/or litigation generally speaking.  The factors that can influence the length of litigation include:

  1. The number of parties involved
  2. The nature of the injuries
  3. Pre-existing conditions 
  4. Liability issues
  5. The necessary parties to the claim are identified after proceedings are initiated
  6. The Plaintiff is unable to serve the defendant personally with the claim
  7. The ability of the parties to obtain necessary documents
  8. The willingness of both parties to negotiate

For example, the more parties are involved in the claim, the likelier that liability may be an issue or that more parties need to be examined.  This means more lawyers may be involved in the case and that interlocutory events in the proceeding must be canvassed against many calendars.  

Some of the issues discussed above can be addressed by way of a motion to the court; in other cases, the issue may be contentious and the claim may require discoveries, mediation and even a trial.  It is not unusual for litigation to take years from the date of the accident.

Gosai Law is committed to providing professional, compassionate, and clear guidance throughout the entire process. We will advocate for your rights and work diligently to secure the maximum compensation you deserve for your injuries and losses.

If you have any further questions or would like to discuss your case in more detail, please do not hesitate to contact us. We are here to support you through this challenging time.

Fill out our Contact Us form or call us at (905) 595-2225.

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