In Ontario, no-fault insurance simplifies the claims process by allowing policyholders to receive compensation for their injuries and damages from their own insurance company, regardless of who is at fault in the accident. This system ensures quicker access to benefits, as individuals can file claims directly with their insurer without waiting for fault determination. It covers medical expenses, income replacement, and other related costs under the Statutory Accident Benefits Schedule (SABS). However, while no-fault insurance helps expedite the process, it may limit the ability to sue the at-fault driver for non-economic damages, such as pain and suffering, unless the injuries are severe or permanent. The no-fault system reduces legal disputes and focuses on providing timely financial support, but it also means that compensation is typically capped and doesn’t fully cover all potential costs related to an accident, affecting claim outcomes for those seeking extensive recovery.