Bodily Injury & Fatalities


You're entitled to a lump sum payment when, because of a motor vehicle accident, you permanently lose normal physical or mental function or you're permanently scarred or disfigured.

Key Points

  • An impairment is permanent damage to a part of your body. Examples of impairment include scarring, facial disfigurement, loss of mobility in a limb, amputation of a part of the body and removal of an organ.
  • The law describes different types of impairments and assigns a percentage value to them. The most serious and disabling impairments are assigned the highest percentages.
  • We assign your permanent impairment a percentage of up to 100 per cent. That percentage is your portion of the maximum indemnity payable at the time of accident. For example, if your permanent impairment is 50 per cent, we pay you half the maximum indemnity.
  • The lump sum impairment payment is made after treatment has been completed, the injury has healed as much as possible and the extent of the impairment can be properly assessed. This may take a year or more, depending on the injury.