What is the threshold?

To make a tort claim after a car accident, you must prove that your injury was the result of someone else's negligent, intentional or reckless actions and that it meets the “threshold” defined by the Insurance Act. The threshold is a description of the level of severity your injury must meet.

To meet the threshold, your injury must result in a:

  • Permanent serious impairment of an important physical, mental or psychological function; or 
  • Permanent serious disfigurement.

A personal injury lawyer can help you to determine the likelihood that you will meet the threshold.