Understanding Payouts for Broken Bones After an Accident

What you need to know about injury claim values, Ontario insurance caps, and how to protect your rights after a fracture

Accidents happen fast—but the financial and physical impact of a broken bone can last for months, even years. If you're searching for answers about how much a broken bone is “worth” in a legal claim, you're not alone. It’s one of the most common questions personal injury lawyers get.

The truth is, there’s no flat rate or universal payout. The value of a broken bone settlement depends on what bone was fractured, how it’s impacted your life, and the structure of Ontario’s injury compensation system. At Misir & Company, we help people across Toronto navigate the complexities of insurance claims and personal injury lawsuits so they can focus on healing while we focus on results.

Let’s walk you through the key factors that affect settlement value and what steps you can take to strengthen your case after a fracture.

What Kind of Broken Bone Is It?

Not all fractures are treated equally—medically or legally. The type of bone you break plays a large role in determining how much compensation you may receive.

Here's a rough guide based on case data and injury trends in Ontario:

• Rib Fractures: $15,000 – $50,000

• Wrist, Clavicle or Forearm Fractures: $30,000 – $60,000

• Leg Fractures (Tibia/Fibula): $55,000 – $85,000

• Femur, Hip, Pelvic Fractures: $130,000 – $200,000+
  

Larger bones with complex recovery needs generally yield higher settlements. That’s because they often involve more medical treatment, longer healing periods, greater pain, and a higher likelihood of permanent impact on mobility or work capacity.

But injury type is only one piece of the puzzle.

How Ontario’s Insurance Caps Affect Your Claim

Ontario uses a no-fault auto insurance system, which provides certain benefits regardless of who caused the accident. But the Statutory Accident Benefits Schedule (SABS) places caps on what you can recover based on how your injury is classified.

• Minor Injury Guideline (MIG): Capped at $3,500

• Non-Catastrophic Injuries (most broken bones): Capped at $65,000

• Catastrophic Injuries: Up to $1 million
  

Most broken bones fall under non-catastrophic, giving you access to medical, rehabilitation, and income replacement benefits—but within limits. If your injury results in lasting impairment, pain and suffering, or long-term loss of income, you may need to pursue a tort claim against the at-fault party to recover full damages.

We help clients determine if their injury qualifies beyond the SABS caps and build out the required evidence for a tort claim.

What Else Affects Settlement Value?

Beyond the bone itself and insurance limits, other critical factors will shape your payout:

Medical Expenses

Did you require surgery? Physical therapy? Long-term rehab? All medical costs must be clearly documented and linked to your injury.

Pain and Suffering

Ontario applies a threshold and deductible system for pain and suffering damages. Your injury must meet a certain level of seriousness to qualify, and a deductible (currently over $40,000) applies unless your damages exceed a set threshold. This makes documentation and legal positioning crucial.

Lost Wages

If your fracture prevented you from working—or changed the type of work you can do long-term—this income loss can form a major part of your claim.

Impact on Daily Life

Can you no longer drive, lift your kids, perform daily tasks, or enjoy physical activities? These changes may increase the value of your settlement under non-pecuniary damages.

Prognosis and Permanent Impairment

Some fractures never fully heal. If your condition is long-term or permanent, we bring in medical experts to establish the impact and reflect that in your claim.

What About the At-Fault Driver?

To pursue a tort claim in Ontario, you must prove the other party was at fault. This could be a driver, cyclist, property owner, or another liable party depending on how your injury occurred.

The tort system allows you to claim for:

• Pain and suffering

• Loss of enjoyment of life

• Past and future income loss

• Out-of-pocket expenses

• Cost of future care
  

Our team at Misir & Company builds out a clear liability narrative using accident reports, witness statements, and expert reconstructions where needed.

Why Timing and Documentation Are Everything

The first days and weeks after an accident are critical for building a strong case. Here's what makes the difference:

• Seek medical attention immediately Delays in treatment can weaken your claim. Always get examined, even if pain seems manageable.

• Document everything Keep records of every appointment, receipt, and prescribed medication. Journaling your daily pain and challenges is also extremely helpful.

• Avoid signing early settlements Insurance companies may offer a fast payout to close the file—but these early offers are often far below what you're entitled to.

• Talk to a personal injury lawyer We ensure your claim is properly valued and filed within Ontario’s limitation periods. We also protect you from pressure tactics and incomplete evaluations.
  

How Misir & Company Helps You Maximize Your Claim

We understand the medical, emotional, and legal stress that comes after breaking a bone in an accident. With years of experience representing injury victims across Toronto, we’ve built a process that works.

Our Approach:

1. Case Evaluation: We assess the severity of your injury, review your medical records, and determine which benefit categories apply.

2. Evidence Building: We collaborate with doctors, specialists, and therapists to build a strong medical narrative around your injury.

3. Claim Management: We manage the full claims process—benefits, tort, communications with insurers—so you can focus on healing.

4. Negotiation & Litigation: Whether negotiating a fair settlement or preparing for court, we’re relentless about securing the compensation you deserve.

5. Local Experience: Toronto-area claims are unique. Our team knows the regional case law, insurance tactics, and medical providers that shape these cases.

   
   

Our goal is always to maximize what you recover, not just financially—but in your long-term health and peace of mind.

Do You Need a Lawyer for a Broken Bone Claim?

If your injury is minor and fully healed, you may not need legal help. But in cases involving:

• Surgery or long rehab

• Lost work time

• Persistent pain

• Disputes about liability or coverage
  

The guidance of a personal injury lawyer can protect your rights and ensure you aren’t settling for less than you need.

We offer free consultations to help you decide the best path forward—no strings attached.

Your Next Steps

Here’s what to do if you’ve suffered a broken bone in an accident:

• Get medical treatment and follow all instructions

• Keep records of everything

• Avoid discussing the case with insurers without legal advice

• Book a free consultation with our team
  

At Misir & Company, we treat every case like it matters—because it does. Whether your fracture was minor or life-changing, we’ll help you understand your rights, your options, and what a fair payout looks like under Ontario law.

Ready to understand what your injury claim is really worth?

Contact Misir & Company today for a free case review. Let us help you make sense of Ontario’s insurance system, maximize your recovery, and move forward with confidence.

Misir & Company Lawyers

880 St Clair Ave West

Toronto, ON, Canada

Phone: 416‑865‑6274

Website: misirandcompany.ca