Steps to Protect Your No-Fault Benefits Right After an Auto Crash

September 09, 2025, Kitchener, Ontario

Posted by: Robert Deutschmann, Personal Injury Lawyer

The moments after an auto crash can determine the strength of your no-fault claim. A practical, action-oriented approach helps preserve benefits while you focus on recovery.

Immediate safety and emergency actions

First, ensure safety and call emergency services if anyone is injured. If you’re able, move to a safe location and exchange basic information with other parties involved. Do not admit fault at the scene, even if you think you were partly responsible.

Documenting the scene and injuries

Take photos of vehicle damage, road conditions, and visible injuries. Gather names and contact information from witnesses by taking pictures of their driver licences or ID. Keep copies of police or accident reports once available. Medical evaluations should occur as soon as possible—even for minor symptoms—as documentation of injuries can be critical for benefit eligibility.

Notifying insurers and timing

Notify your insurer promptly. Ask about required forms, deadlines, and the process for initial medical assessments. Timelines matter, so establish a plan to submit everything on time.

Medical evaluation and records

Seek medical care promptly and follow through with recommended treatment plans. Request copies of all medical records and keep receipts for every service or item related to your injuries.

What to avoid in the hours and days after

Avoid giving recorded statements without legal advice, and be cautious about signing documents you don’t fully understand. Do not agree to settlements or sign waivers before you’ve reviewed your rights with a lawyer.

When to contact a lawyer

If you are seriously injured, if your loved one is seriously injured, or if you’re unsure what benefits you qualify for, if your claim is denied or delayed, or if your medical bills are piling up, it’s time to speak with an Ontario injury lawyer. A specialist can protect your rights and help coordinate medical and rehabilitation services.

If you’ve been in an Ontario auto crash, reach out for a free, no-obligation case review with our team. We’ll help you navigate the no-fault landscape and safeguard your benefits as you heal.

About Deutschmann de Koning Law

Deutschmann de Koning Law serves South-Western Ontario with offices in Kitchener-Waterloo, Cambridge, Woodstock, Brantford, Stratford and Ayr. The law practice of Robert Deutschmann and Nick de Koning focuses almost exclusively in personal injury and disability insurance matters. For more information, please visit www.ddinjurylaw.com or call us at 1-519-742-7774.