Start with the information you can document
The free calculator records accident location, date, injury description, recovery, work interruption and expenses. The original-model injury illustration is shown first, with a combined model illustration and a separate breakdown of reported losses. The numerical model is generic rather than province-specific. A model injury amount can be positive even when no income has been lost.
The financial calculation
The result cannot be less than zero. Reimbursements must relate to the losses included in the assessment. Keep your original records: a reported loss is not automatically an amount an insurer or another person must pay.
Future earnings and care costs are not calculated from a gross monthly salary. Those assessments require information this questionnaire does not collect.
Why your province changes the result
This release provides a generic injury illustration and financial summary for every Canadian province and territory when the main injury is known. It links to jurisdiction-specific guidance and does not claim a validated settlement model for any province.
For British Columbia, Quebec and other jurisdictions, the generic illustration remains separate from the provincial benefit guidance. Specific entitlement calculations remain outside this tool.
The original injury model used by the calculator
The injury illustration restores the website’s original points-based formula, including its combined range banding, with corrections to the treatment of unknown answers. It has not been calibrated or validated against Canadian court awards or settlements. The official sources support the provincial guidance, not the numerical formula. Making the code available does not validate its dollar amounts.
The illustration is available across Canada when a main injury is reported. Unknown future effects, future time off and responsibility use the original uncertainty values below. New “Not sure” choices that did not exist in the old model use conservative zero-point assumptions rather than hiding the result. An unknown main injury still prevents an injury range. “No injury” produces no injury illustration. This does not decide whether accident benefits or damages are legally available.
View the numerical assumptions
The original scoring categories assign these model points. For future effects, “Not sure” receives 8 points; for future time off, it receives 5 points; uncertain responsibility receives 0. These are inherited assumptions, not measured probabilities or diagnoses. Unknown answers do not trigger permanent-injury or confirmed lengthy-work-absence profile gates.
| Category | Points in displayed option order |
|---|---|
| Main injury | 5, 15, 30, 45; no injury 0 |
| Additional injuries | 0, 5, 10, 15 |
| Treatment | 2, 4, 6, 8, 10, 12, 14, 18, 22, 25; no treatment 0 |
| Ongoing limitations | 0, 8, 16, 25 |
| Future time off | 2, 4, 7, 10, 13, 16, 19, 24; not sure 5; no time off/not applicable 0 |
| Daily-life impact | 2, 6, 12, 20, 28 |
| Future effect | 0, 5, 25; not sure 8 |
| Reported fault | 12, 8, 3; unclear/not sure 0; no other driver responsible: 0 fault points |
| Psychological effect | 0, 5, 10, 17, 22 |
Initial score = round(points ÷ 221 × 100). A serious or severe profile with treatment worth at least 10 points, future time off worth at least 13 points and daily impact worth at least 20 points adds 8. The same profile with permanent effects adds another 8. A severe profile with treatment worth at least 12, future time off worth at least 16, significant/permanent ongoing limitations, severe daily impact and permanent future effects adds another 10. The final score is capped at 100.
| Score s | Starting component (CAD) |
|---|---|
| 0–20 | 3,000 + 600 × s |
| 21–40 | 15,000 + 1,000 × (s − 20) |
| 41–60 | 35,000 + 1,750 × (s − 40) |
| 61–75 | 70,000 + 2,667 × (s − 60) |
| 76–90 | 110,000 + 4,333 × (s − 75) |
| 91–100 | 175,000 + 12,500 × (s − 90) |
The serious-profile minimum is 125,000 and the extensive severe-profile minimum is 200,000, before the original model’s multiplication by 2. The injury-only illustration applies 80% and 125% to the resulting component, rounds each endpoint to the nearest $1,000, sets a minimum low of $5,000, and keeps the high at least $5,000 above the low. The restored combined range applies those same rules to the injury component plus reported past income loss and expenses BEFORE reimbursements. Reimbursements remain visible in the separate financial-loss subtotal and are not deducted from this combined model range. Neither range is a net settlement prediction. The constants are illustrative assumptions, not statutory amounts, settlement statistics or a statistical confidence interval.
Official guidance sources
- FSRA: Ontario accident-benefit changes
- Ontario Insurance Act
- ICBC: injury claims and recovery
- SAAQ: public automobile insurance plan
Updated 22 September 2026. No professional review or settlement-data validation is claimed.
Open the free calculator →What the model does not decide
The result does not apply legal thresholds, deductibles, liability reductions, policy limits, benefit offsets or limitation periods. It does not calculate future income loss or future care. A positive model range can correspond to no legal recovery. Unknown core information is not silently replaced with a zero-dollar injury assessment.
A reproducible software example
A fictional input profile with severe main injury, one additional injury, six months of treatment, moderate ongoing limitations, three months of expected future work absence, severe daily-life effects, unknown future effects, another driver clearly responsible and significant psychological effects receives a score of 70. With $5,500 reported past income loss, no expenses and no reimbursements, the model component is $193,340. Its injury-only illustration is $155,000 to $242,000, and its original combined-model illustration is $159,000 to $249,000. These figures demonstrate the arithmetic only. They are not a comparable settlement, average award or forecast for a real person.
For an individual assessment, request contact with a legal professional. Read the guide to interpreting a claim estimate before using a model result in a decision.