Question:
I was in a motor vehicle accident about 2 years ago in July. My insurance company’s medical examination denied me surgery for my mouth [...]

Yes, other people can file an accident benefit or no fault claim with your insurance company under your car insurance policy. [...]

The answer depends on whether you were the one at fault in the motor vehicle accident. [...]

Yes, in a personal injury lawsuit you can sue for more than the insurance coverage or insurance limits of the defendant’s insurance policy.  [...]

In Ontario, if you have been in a motor vehicle accident, in most cases, you can’t get paid twice for your lost income.  [...]

Question: I have seen 3 insurance doctors already. Two have identified more injury than was originally diagnosed. Finally, as I have been expecting, the 4th doctor disagreed with the previous 3, my own doctor, and previous diagnosis. Frankly, I think he was the “hired gun”. Consequently his report ended up in a denial of payment and I have to fight again. [...]

Yes. You can get employment insurance sick benefits if you are injured outside the job.  You do not need to be injured to get EI sick benefits. If you are disabled due to illness or disease you may also qualify for employment insurance.

In Ontario the car accident benefits you are entitled to are set by the Ontario provincial government.

However you can buy optional car accident benefits or no fault benefits. These optional benefits are usually inexpensive and definitely worth looking into. You should discuss these optional benefits with your insurance broker when you are renewing your automobile insurance. [...]