Motorcycle crashes are among the most devastating types of collisions on Ontario roads. Because riders lack the protection of a car’s frame, even seemingly “minor” impacts often lead to serious injuries, long rehabilitation, and mounting financial burdens.
At Cambria Law Firm, we represent injured motorcyclists across Mississauga, the Peel Region, the Greater Toronto Area (GTA), and all of Ontario. Our lawyers are trusted, results-driven advocates experienced in both Statutory Accident Benefits (SABS) and tort claims. We understand the medical, emotional, and financial toll these crashes bring, and we know how to fight insurance companies that often try to minimize payouts.
We fight for full compensation — on a No Fee Unless We Win basis.
Whether your crash happened on Hurontario Street in Mississauga, along a major corridor in Brampton, or anywhere else in Ontario, we provide local expertise — including representation at the Superior Court of Justice in Brampton (7755 Hurontario Street).
Why Motorcycle Accidents Are So Severe
Motorcycle collisions are fundamentally different from standard car accidents due to the extreme vulnerability of the rider. Lacking a steel cage, airbags, or seatbelts, a motorcyclist absorbs the full force of a crash, leading to catastrophic injuries.
Catastrophic Reality of Motorcycle Collisions
This lack of protection results in injuries that are frequently catastrophic and permanent. According to Transport Canada (2019), motorcyclists are approximately 17 times more likely to die in a collision than car occupants.
Common severe injuries we see from motorcycle crashes include:
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Traumatic Brain Injuries (TBI) and concussions
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Spinal Cord Injuries and paralysis (paraplegia or tetraplegia)
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Multiple fractures and crush injuries
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Severe road rash and disfigurement
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Internal organ damage
These catastrophic injuries may qualify for the Catastrophic Impairment designation under Ontario’s SABS (Financial Services Regulatory Authority of Ontario — FSRA, 2022), unlocking enhanced benefits — potentially up to $1 million or more for long-term care and rehabilitation.
Local High-Collision Zones
Our local knowledge targets high-traffic areas in the Peel Region where serious crashes frequently occur, including Hurontario Street, Dundas Street West, Mavis Road, and Burnhamthorpe Road.
Common Causes of Motorcycle Accidents in the GTA & Ontario
Most motorcycle crashes stem from driver negligence or inattention:
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Drivers making sudden left turns — the most dangerous collision type, when a car turns directly into a motorcycle’s path
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Distracted or inattentive driving, including phone use
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Unsafe lane changes or cutting off motorcycles
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Speeding and tailgating
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Failure to yield or running red lights
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Road hazards such as potholes, oil slicks, construction debris, or uneven pavement
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Impaired driving — alcohol, drugs, or fatigue are common contributing factors
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Mechanical failures or defective parts
Types of Motorcycle Accidents
Cambria Law Firm handles all types of motorcycle collision claims, including:
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Left-turn or angle collisions (T-bone crashes)
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Head-on collisions (often catastrophic or fatal)
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Rear-end impacts
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Side-swipe or lane-change crashes
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Single-vehicle accidents due to poor road conditions
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Hit-and-run or uninsured driver claims — compensable through the Motor Vehicle Accident Claims Fund (MVACF) (Government of Ontario, 2023) or your own insurance coverage
What to Do Immediately After a Motorcycle Accident
Your actions right after a crash are vital for both your health and your legal claim.
Crisis-to-Control Checklist
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Ensure safety and call 911 — request medical and police assistance.
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Seek immediate medical care — symptoms of serious injury (like TBI) may appear later.
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Document everything — take photos, videos, and notes of the scene, vehicles, and road conditions.
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Collect witness details — get names, phone numbers, and brief statements.
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Avoid admitting fault — never apologize or speculate about the cause.
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Get report details — obtain the police report number and officer’s name.
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Contact a lawyer — call Cambria Law Firm before speaking with any insurance adjusters.
If you are too injured to collect evidence, our team will handle the investigation and evidence preservation for you.
Understanding Fault and Your Legal Rights in Ontario
Ontario’s system blends no-fault benefits with the option to pursue a tort lawsuit depending on injury severity.
Fault Determination Rules
Fault is allocated through the Fault Determination Rules (R.R.O. 1990, Reg. 668) under the Insurance Act (Government of Ontario, 2022).
Contributory Negligence
Fault can be shared between drivers. Even if you are partly at fault, you may still recover compensation.
Two Paths After a Motorcycle Crash
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Statutory Accident Benefits (SABS): No-fault benefits available to all injured persons.
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Tort Claim (Lawsuit): Filed against the at-fault driver for full damages when injuries are serious.
Statutory Accident Benefits (SABS) – No-Fault Coverage
All injured riders are entitled to SABS benefits through their own insurance company.
Typical coverage includes:
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Medical & Rehabilitation Benefits: Up to $65,000 (non-catastrophic) and up to $1 million or more for catastrophic impairments.
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Income Replacement (IRB): Up to 70 % of gross income (subject to cap).
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Attendant Care: Coverage for those unable to perform daily activities.
The Minor Injury Guideline (MIG) Challenge
Insurers sometimes classify motorcycle injuries under the MIG, limiting benefits to $3,500. For serious injuries, our firm helps clients appeal and overturn improper MIG classifications (FSRA, 2022) to access full benefits.
Tort Claim – When You Can Sue the At-Fault Driver
A tort claim allows you to pursue full compensation when your injuries meet Ontario’s Verbal Threshold under the Insurance Act (R.S.O. 1990, c. I.8) — a permanent serious impairment of an important physical, mental, or psychological function (or death/disfigurement).
Compensation Available
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Pain and suffering damages (non-pecuniary)
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Past and future income loss (above SABS limits)
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Medical and rehabilitation expenses not covered by insurance
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Home and vehicle modification costs
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Family Law Act claims for dependents
Limitation Period
You have two years from the accident date to file your lawsuit. Missing this deadline may forfeit your right to sue.
What If You Were Partially at Fault?
Partial fault does not eliminate your right to recover:
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You still receive SABS benefits regardless of fault.
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In a tort claim, your damages are simply reduced by your percentage of fault.
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A lawyer can use expert evidence and accident reconstruction to minimize your fault assignment.
When to Contact a Motorcycle Accident Lawyer
Contact a lawyer as soon as you are medically stable — ideally before speaking to insurers. Early legal intervention by Cambria Law Firm ensures:
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Preservation of crucial evidence
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Accurate SABS application (including Catastrophic Impairment designation)
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Protection against low-value settlement offers
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Compliance with the two-year limitation period
Compensation You May Be Entitled To
Our lawyers collaborate with medical and financial experts to calculate every loss and pursue full compensation for:
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Pain and suffering damages
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Past and future income loss / loss of earning capacity
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Medical, rehabilitation, and long-term attendant care expenses
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Home and vehicle modifications / assistive devices
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Out-of-pocket expenses
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Family Law Act claims for dependents
How Cambria Law Firm Can Help
Whether your accident occurred in Mississauga, Toronto, Brampton, or anywhere in Ontario, Cambria offers specialized catastrophic injury representation.
What sets us apart:
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Decades of experience in Ontario personal injury and catastrophic claims
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Strategic coordination of SABS and tort claims to maximize recovery
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In-depth knowledge of Peel Region insurers and courts
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Representation before the Superior Court of Justice in Brampton
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Risk-Free Guarantee: No Fee Unless We Win + Free case assessment
Mississauga Motorcycle Accident FAQs
1. How long do I have to file a claim in Ontario?
You generally have two years to start a lawsuit and must notify your insurer within seven days for SABS claims (Insurance Act, R.S.O. 1990, c. I.8).
2. Can I sue if I wasn’t wearing a helmet?
Yes. Compensation may be reduced for contributory negligence, but your right to sue remains.
3. What if the other driver fled or was uninsured?
You can seek recovery through the Motor Vehicle Accident Claims Fund (MVACF) or your own uninsured-motorist coverage (Government of Ontario, 2023).
4. What if I work part-time or am self-employed?
You are still eligible for Income Replacement Benefits (IRB) under SABS; our firm helps verify and document your earnings.
5. What is the Minor Injury Guideline (MIG)?
A restrictive category capping benefits at $3,500. We challenge improper MIG classifications (FSRA, 2022).
6. What if I was partly at fault?
Ontario’s shared-fault system still allows recovery, reduced by your proportion of fault.
Final Call to Action
If you or a loved one has been injured in a motorcycle crash anywhere in Mississauga, the GTA, or across Ontario, don’t face the aftermath alone.
Contact Cambria Law Firm today for your free consultation.
We manage your case from start to finish — No Fee Unless We Win — so you can focus on healing while we fight for your maximum compensation.
References / Citations
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Transport Canada (2019). Motor Vehicle Casualties in Canada Dashboard. tc.canada.ca
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Financial Services Regulatory Authority of Ontario (FSRA) (2022). Statutory Accident Benefits Schedule. fsrao.ca
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Government of Ontario (2023). Motor Vehicle Accident Claims Fund (MVACF). ontario.ca
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Insurance Act, R.S.O. 1990, c. I.8 and Fault Determination Rules (R.R.O. 1990, Reg. 668). Ontario e-Laws
