Hit-and-Run and Uninsured Motorist Accident Lawyer in Ontario

Quick answer: If you were injured by a driver who fled the scene, was never identified, or had no insurance, you may still be able to recover compensation in Ontario, through your own auto coverage, optional protection you bought, or a provincial fund of last resort. Acting quickly matters, because a very short notice deadline can apply.

It feels deeply unfair to be hurt by a driver who cannot be found or has no insurance. The good news is that Ontario has several routes to compensation for exactly this situation, so being unable to identify or collect from the at-fault driver does not necessarily mean you are left with nothing. As with any crash, you may also have an accident-benefits claim regardless of fault (see our car accident page).

Where compensation can come from

In short: Depending on your situation, a claim may be made against your own insurer's uninsured-automobile coverage, optional family-protection coverage you purchased, or the provincial Motor Vehicle Accident Claims Fund when no other insurance is available.

• Uninsured automobile coverage. Standard Ontario auto policies include coverage that can respond when the at-fault driver is uninsured or cannot be identified, as in a hit-and-run.
• Optional family protection coverage (OPCF 44R). If you bought this endorsement, it can top up your recovery when the at-fault driver has too little insurance to cover your losses, or none at all.
• The Motor Vehicle Accident Claims Fund (MVACF). A provincial fund of last resort for people injured by uninsured or unidentified drivers who have no other insurance to turn to.

Sources: the uninsured-automobile and OPCF 44R provisions of the Ontario automobile policy, and the Motor Vehicle Accident Claims Fund administered by the province. Rules, limits, and eligibility are specific and can change. [CONFIRM current MVACF eligibility, limits, and notice requirements before relying on them]

Why acting fast matters here

What you can do after a hit-and-run

• Report it to police as soon as possible, and get the report details.
• Write down everything you remember about the vehicle and driver, even partial details like a plate fragment, colour, or make.
• Look for witnesses and cameras, including nearby businesses, homes, and traffic or transit cameras that may have recorded the vehicle.
• Notify your own insurer, and get advice before giving detailed statements.

How AK Lawyers handles these claims

AK Lawyers (Antonov Kaganovich LLP) represents injured people, never insurers. With hit-and-run and uninsured claims, our focus is on: [CONFIRM process points with AK; remove any the firm does not do]

• Identifying every source of recovery, from your own coverage and optional endorsements to the provincial fund.
• Moving quickly to preserve evidence and to meet the short notice requirements these claims can carry.
• We manage both tracks (your accident-benefits claim and any tort claim) so deadlines are met and nothing falls through the cracks.
• You are not just a file. You'll have a clear point of contact and plain-language updates.
• Contingency fees. You don't pay legal fees unless your claim succeeds. The fee is a percentage set out in a written contingency-fee agreement at the start, which also explains how disbursements are handled.

Serving Toronto & the Greater Toronto Area

Based in Toronto, AK Lawyers helps people injured by hit-and-run and uninsured drivers across Toronto and the GTA, including Mississauga, Brampton, Vaughan, North York, and Scarborough. These claims are generally handled through the Ontario Superior Court of Justice.

Frequently asked questions

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