In Ontario, no-fault insurance is a system designed to streamline the claims process for car accidents, where each party’s own insurance covers their damages, regardless of who caused the accident. When an accident occurs, injured drivers and passengers file claims with their own insurance companies to receive compensation for medical expenses, rehabilitation costs, and income loss, up to a predetermined limit. This system is intended to minimize legal disputes and expedite payments, allowing victims to receive immediate support without waiting for fault determination. However, there are restrictions on suing for damages, as individuals can only pursue claims for non-economic losses, such as pain and suffering, under specific conditions. Overall, no-fault insurance aims to provide quicker access to benefits while reducing the burden on the court system in Ontario.