Are you stuck in the Minor Injury Guideline?

After a car accident, Ontario insurers often place people in the "Minor Injury Guideline" (MIG), which caps medical and rehab funding at just $3,500. But many injuries wrongly land in the MIG when they belong in the regular stream — with up to $65,000 in funding. Answer a few questions to understand where you may stand.

Please read. This tool provides general information about Ontario's Minor Injury Guideline under the Statutory Accident Benefits Schedule (SABS). It is not legal or medical advice, not a determination of your MIG status, and does not create a lawyer-client relationship. Whether an injury falls within or outside the MIG depends on medical evidence and how the law applies to your specific facts, which can change over time. The $3,500 and $65,000 figures reflect general standard limits. Only a proper medical and legal assessment can determine your funding category. For advice, speak with a licensed Ontario lawyer. Azimi Law is regulated by the Law Society of Ontario, and its founder Ben Azimi is a member of the Law Society of Ontario. Your privacy is protected. Everything you enter is processed entirely in your own browser — it is not transmitted to, collected, or stored by Azimi Law unless you deliberately choose to contact us. Any personal information you share is handled in accordance with our Privacy Policy and applicable privacy legislation, including Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA). Current as of July 14, 2026. The information in these guides reflects our understanding of Ontario law as of that date. Legislation, limitation periods, benefit levels, and dollar figures change over time and may have changed since; this content may become out of date. Azimi Law makes no representation or warranty that it is accurate, complete, or current, and accepts no responsibility for any decision or action taken in reliance on it. Always confirm the current law with a licensed Ontario lawyer before acting.

Question 1 of 425%

Your injuries

Which best describes your main injuries?

The MIG is meant for genuinely minor soft-tissue injuries. Fractures and worse generally fall outside it.

Recovery

How are your symptoms months later?

Psychological effects

Any psychological or chronic-pain effects?

Diagnosed psychological injuries and chronic pain can take a claim outside the MIG.

Pre-existing conditions

Did you have a relevant pre-existing condition?

A documented prior condition that affects your recovery can support removal from the MIG.

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