I believe you can. See:
https://www.fsco.gov.on.ca/en/auto/brochures/Pages/brochure_changes10.aspx - there is an option for $1 mil combined coverage for non-catastrophic injuries. It's not buying back what you had before, but it would have covered the situation above.
It seems like we're starting to get the worst combination of average US accident coverage and expensive Ontario premiums.
However, the article doesn't touch on something but perhaps implies it - it was corresponding with their "personal injury lawyer". They can still potentially recoup some of their costs from the other party's liability insurance, right? Minus the $36K deductible and the supposed
20-30% take of the lawyer.
PI lawyers won't even consider your case at 20%, The rates very firm to firm, but the usually START at 33.3% upwards. I have heard of some in the 40% range. I got VERY lucky the firm I am now with split from a larger firm but agreed to keep my case at the original 30%, the "new rate" for anyone walking in the door is 40% now.
My last collision was 19 weeks ago this past Monday, Because I am self employed, the IRB, (Income Replacement Benefit) is a frustrating hassle to say the least, We have provided ALL company books, as well as had an accountant prepare a report for them. They said over a month ago they were forwarding our accountants report to their forensic accountant to "determine, if I qualify for IRB" I have yet to see a SINGE penny, I have worked (part time, less than 20% of former weekly revenue), exactly 2 weeks since the collision. I didn't buy the "extra" coverage meaning I am only entitled to $400 per week max. But that is a FAR cry from zero. Only thing that has kept me solvent so far is the money they gave me for my bike.
I couldn't go home for 32 days after my release from rehab, as I couldn't use crutches etc to get up the stairs at my residence. I had to stay with a friend who did all the cooking, cleaning etc etc. I am entitled to $36,000 in attendant care. Now they want HER tax returns for two years to confirm "she loss income" to look after me. Had I known they were going to pull that I would have, (as was my right), demand they put in a care facility that would have cost them thousands per day. NO instead I thought sure they will give my friend a $100 a day for all she did... Not freaking likely. If I ever have another collision screw them take EVERYTHING I am entitled to up front. I can understand them wanting to root fraud but when your hurt, last thing you need is to spend hours at your lawyer or on the phone fighting with dick wads who treat it like it was coming out of their pocket. I said to adjust how about YOU stop drawing a pay cheque until you start my IRB, I bet I would see the money pretty quick..lol
They are quick to take your premiums but NOT so quick to pay out.
Think about it how many of us can afford to be off work for 5 MONTHS with NO income??