A change in the rules of auto insurance has cost at least one victim millions of dollars and could cause the same problem for you if you're looking to seek catastrophic injury compensation in Ontario. An Oct. 11 news report states that a man involved in a serious car accident suffered severe injuries and should have received more than he was able to collect. He received $86,000 as compensation, but had he crashed just 12 hours earlier, he would have been eligible for up to $2 million.