The most common misconception we hear is "I don't own a car, so I can't make a claim." That's false. In Ontario, if you're hit by a vehicle while walking or cycling, you're entitled to accident benefits under the SABS (Statutory Accident Benefits Schedule) — the same no-fault system that covers drivers and passengers. You don't need your own auto insurance policy to qualify, and you don't need to have done anything "official" beforehand to be eligible. Being on foot or on a bike doesn't put you outside the system; it just changes which insurer's policy responds to your claim. This surprises a lot of people, which is exactly why so many pedestrians and cyclists never look into what they're owed after a collision.
Generally, you claim through the insurer of the vehicle that hit you. If you happen to have your own auto policy, it may respond instead or as well. If the driver fled the scene or turns out to be uninsured, Ontario's Motor Vehicle Accident Claims Fund can step in to cover accident benefits in their place. Pedestrian and cyclist injuries also tend to be more severe than typical vehicle-occupant injuries, and beyond accident benefits, a separate claim against the at-fault driver for pain and suffering may also be available. The same 30-day deadline to apply for accident benefits applies here, so it's worth acting quickly regardless of who's insurance is involved.
Get the driver's vehicle information and licence plate before they leave — this matters even more here than in a vehicle-to-vehicle collision, since it's often the only link back to the insurer who'll cover your claim. Because a pedestrian or cyclist was involved, police should attend and file a report; don't skip this step even if the driver wants to "handle it privately" or offers to pay you directly on the spot. And get medical attention right away — pedestrian and cyclist injuries are frequently more serious than they first appear, adrenaline can mask pain in the first hours, and a documented assessment protects both your health and your claim later on.
A free case review takes one phone call — no cost, no obligation, and your insurer isn't notified.
This is general information, not legal advice — timelines and requirements depend on your specific situation.