Educational how-to
Accident benefits versus a lawsuit after a crash
This page is a public educational walkthrough. It is not a retainer, a court form, or a promise about your result.
SABS benefits are first-party
You claim them from an insurer regardless of fault in many cases.
A tort lawsuit is about another person’s liability
Different limitation ideas can apply.
You can have both tracks
They still use different rules.
Open the Insurance Act materials
Do not treat a body-shop estimate as the legal structure.
Official law on this site: insurance-law.
Disclaimer: Know The Law publishes legal information for the public, not legal advice. Court forms, fees and filing channels change. Read the official statute text linked from each page before you act. We do not represent you and we do not file documents for you.