This is one of the most important things to be aware of when you decide to bring an action against someone in a personal injury matter. This is because the rules around time limits in Ontario are enforced quite strictly, and if you do not bring the claim within the stipulated time limit, you may lose your chance to sue altogether. As a general rule, you have two years from the date of the injury or date of loss to start the claim. However, it is important to note that different limitation periods exist for accident benefits and for insurance companies.