Truck accidents are among the most devastating collisions on Ontario’s roads. Because of their size and weight, even a low-speed impact with a transport truck can cause catastrophic injuries. Survivors often face:

  • Months of medical treatment and rehabilitation

  • Lost income or inability to return to work

  • Emotional trauma and long-term financial hardship

At Cambria Law Firm, we represent victims of truck accidents throughout Mississauga, Peel Region, and across Ontario.
Our lawyers specialize in commercial-vehicle negligence and catastrophic injury claims, ensuring that you recover the full compensation you deserve.

We work on a Contingency Fee Model — you pay no fees unless we win.

Truck accident claims are rarely straightforward. Understanding what makes them different from standard collisions is key to protecting your rights.

Why Truck Accidents Are Different from Other Collisions

A truck accident is not a typical car crash. The vehicles are larger, the insurance policies are bigger, and the legal responsibilities are more complex.

Here’s why these cases demand specialized legal expertise:

  • Extreme size and weight: A fully loaded tractor-trailer can weigh over 35,000 kg — more than 20 times a passenger car.

  • Multiple liable parties: Responsibility may fall on the driver, carrier, shipper, or even a parts manufacturer.

  • Heavy regulation: Truck drivers and companies must follow strict Hours of Service and transport safety standards.

  • Higher insurance coverage: Trucks over 4,500 kg must carry at least $1 million in third-party liability coverage (Government of Ontario, 1990).

That’s why you need lawyers who understand both transport law and complex insurance litigation — the experience that defines Cambria Law Firm.

Common Causes & Injuries in Truck Accidents

Ontario’s busiest corridors — Highway 401, QEW, Dixie Road, and Hurontario Street — see thousands of commercial trucks daily. With congestion and fatigue, accidents are inevitable.

Common Causes

  • Driver fatigue / Hours-of-Service violations

  • Distracted or impaired driving

  • Mechanical failures / poor maintenance — nearly 1 in 5 trucks inspected in Ontario were taken out of service for safety defects (Ontario Ministry of Transportation, 2022).

  • Overloaded or unsecured cargo

  • Speeding or reckless driving

In 2023, about 20% of all fatal collisions investigated by the Ontario Provincial Police involved commercial trucks (Truck News, 2023).

Common Injuries

  • Traumatic brain and spinal cord injuries

  • Multiple fractures or crush trauma

  • Burns or amputations

  • Internal organ injuries

  • PTSD and psychological distress

These catastrophic injuries often meet Ontario’s “permanent serious impairment” threshold — allowing victims to pursue a tort claim for full compensation.

What to Do Immediately After a Truck Accident

If you’re ever involved in a truck collision:

  1. Move to safety and call 911.

  2. Document everything. Take photos of the scene, vehicle damage, and cargo.

  3. Get details. Note the truck’s company name, licence plate, and DOT number.

  4. Don’t admit fault. Avoid statements that insurers can later use against you.

  5. Get checked by a doctor. Some injuries develop hours or days later.

  6. Call Cambria Law Firm before speaking with insurance. We preserve evidence before carriers destroy or alter it.

The first 48 hours are critical. Evidence fades quickly, and insurers often send investigators immediately after the crash.

Your Rights & Compensation in Ontario

While no amount of money can undo the trauma, compensation ensures you have access to:

  • Proper medical treatment

  • Income while you recover

  • Financial security for your family

Ontario law provides two paths to recovery after a truck accident:

Quick Summary

1. Statutory Accident Benefits (SABS): Immediate medical and income support, available to all victims — regardless of fault.
2. Tort Claim: A civil lawsuit against the negligent driver or trucking company for your full losses.

Your Legal Rights

Even if you were partly at fault, you can access SABS through your own insurer or, if uninsured, through the Motor Vehicle Accident Claims Fund.

These benefits cover:

  • Medical and rehabilitation costs

  • Income replacement and attendant care

  • Caregiver and housekeeping benefits

  • Funeral benefits (in fatal cases)

However, for severe injuries, SABS alone rarely cover the full cost of recovery.

A tort claim lets you pursue additional compensation for long-term effects such as pain, future care, and loss of earning capacity.

Compensation You May Receive

  • Medical and rehabilitation expenses not covered by insurance

  • Lost wages and reduced earning capacity

  • Pain and suffering / emotional distress

  • Long-term care and caregiver costs

  • Home modification or accessibility expenses

  • Property damage and out-of-pocket costs

Time limit: You have two years from the date of the collision to start a tort claim under the Limitations Act (2002). Acting early helps preserve crucial evidence before it’s lost or destroyed.

How Cambria Law Firm Helps

After a truck accident, choosing the right lawyer can change everything.
Our team acts fast to protect your rights, gather evidence, and build a strong case.

Securing Critical Evidence

We immediately obtain:

  • Black-box (EDR) and electronic log (ELD) data

  • CVOR safety history and maintenance logs

  • GPS, weigh-station, and cargo inspection records

This forensic evidence proves violations such as fatigue, poor maintenance, or unsafe loading — the foundation of a successful negligence claim.

Why Clients Choose Cambria

  • Local expertise — we know Mississauga courts, insurers, and transport carriers.

  • Millions recovered for Ontario injury victims.

  • Transparent communication — updates at every stage.

  • Contingency Fee Model — no upfront cost, no hourly billing.

We handle the investigation and legal battle — you focus on recovery.

Frequently Asked Questions

1. Should I report a truck accident even if it wasn’t my fault?
Yes. Reporting within 7 days is required to access Statutory Accident Benefits (SABS). Late reporting can delay your medical coverage or affect eligibility.

2. How long do truck accident claims take to settle?
Every case is different, but most resolve within 12–24 months, depending on:

  • The severity of injuries

  • Complexity of evidence

  • Cooperation from the insurer

Cambria’s lawyers push for fast settlements — without compromising fairness.

3. Can I claim compensation if I was partially at fault?
Yes. Ontario follows contributory negligence rules, meaning your compensation may be reduced by your share of fault, but you can still recover damages.

4. Can I sue an out-of-province trucking company?
Yes. If the accident occurred in Ontario, you can file the claim here — even if the company is based elsewhere in Canada.
Cambria regularly represents victims in cross-province trucking claims.

Still have questions? Call us for a free consultation — we’ll explain your rights clearly and guide you through every step.

Ready to Talk to a Lawyer?

Injured in a truck accident?
Don’t face insurance companies alone.
Book your free consultation — you pay nothing unless we win.

Call 647-735-6988 or fill out the consultation form — our team is ready to help.

Reference List

Government of Ontario. (1990). Insurance Act, R.S.O. 1990, c. I.8 – Ontario Regulation 664: Automobile Insurance.
https://www.ontario.ca/laws/regulation/900664

Truck News. (2023, March 15). OPP reports 20% of fatal crashes involve transport trucks.
https://www.trucknews.com/transportation/opp-reports-20-of-fatal-crashes-involve-transport-trucks/1003173459/

Ontario Ministry of Transportation. (2022). Carrier safety review results: Commercial vehicle inspections.
https://www.ontario.ca/page/carrier-safety-rating