Understanding the Limitation Period for Personal Injury Claims in Ontario

June 10, 2025, Kitchener, Ontario

Posted by: Robert Deutschmann, Personal Injury Lawyer

When you’re injured in an accident, whether it’s a car crash, slip and fall, or other incident, medical documentation becomes one of the most powerful tools in your legal case. In Ontario, insurance companies and courts rely heavily on medical records to evaluate the extent of your injuries, the impact on your daily life, and the validity of your personal injury claim.

Why Medical Documentation Matters

After an injury, you may be focused on recovery, but it's essential to start a medical paper trail as soon as possible. Your medical records serve as evidence that connects your injuries directly to the incident.

Key documents include:

• Emergency room and hospital visit records
• Reports from your family doctor
• Referrals to specialists (e.g., orthopaedic surgeons, neurologists)
• Physiotherapy, chiropractic, and psychological assessments
• X-rays, MRIs, and CT scans

Without this evidence, insurers may argue your injuries were pre-existing, exaggerated, or unrelated to the accident.

Building a Strong Medical History

Here are steps to ensure your injury is well-documented:

• Seek medical attention immediately, even if symptoms seem minor
• Follow all medical advice and treatment plans
• Attend every appointment and keep your records organized
• Keep a daily journal noting your symptoms, limitations, and emotional impact

This consistent documentation not only strengthens your claim but also supports your recovery plan.

Challenges You May Face

Despite your best efforts, insurance companies may still challenge your medical evidence. They may:

• Require Independent Medical Examinations (IMEs)
• Delay approving treatment plans
• Question gaps in treatment

These tactics are common, especially if you're dealing with soft tissue injuries or mental health effects that are harder to quantify.

How We Can Help

At Deutschmann de Koning Personal Injury Law, we understand the critical role medical evidence plays in a successful personal injury claim. We collaborate with reputable healthcare providers to ensure your injuries are properly assessed and documented. We also handle all communications with insurance companies to protect your rights.

Our legal team works with:

• Family physicians and specialists
• Physiotherapists and occupational therapists
• Psychologists and pain management experts

We ensure your medical story is clearly presented and professionally supported.

Your Next Step

If you’ve been injured in Ontario, don’t leave your claim to chance. Make sure your medical history is thorough and legally sound.

Contact Deutschmann de Koning Personal Injury Law today for a free, no-obligation consultation. We’ll help you build a solid foundation for your claim and fight for the compensation you deserve.

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.