Skip to main content
Get a quote
File a Claim

TL;DR – Ontario Statutory Accident Benefits

  • What they are: Statutory Accident Benefits are included in all Ontario auto insurance policies and provide financial support if you’re injured in an auto accident, regardless of fault.
  • Mandatory coverage: Medical, Rehabilitation, Attendant Care, and Cost of Examination benefits are included in every policy.
  • Optional coverage: Other benefits—such as Income Replacement, Non-Earner, Caregiver, and more—are optional and can be added or adjusted based on your needs.
  • Why customization matters: Optional benefits can provide added support in situations not everyone faces, like income loss, caregiving responsibilities, or supporting dependants.
  • Things to consider: Opting out of coverage may reduce your premium, but it could also create gaps in protection if an accident occurs.
  • Next step: Review your coverage options to make sure you have the right mix of protection for your personal circumstances.

Ontario's Statutory Accident Benefits

Statutory Accident Benefits are included in all auto insurance policies in Ontario. Some coverages are mandatory and some optional, which affords you the opportunity to create the mixture of coverage best suited to your needs.

Coverages for Medical, Rehabilitation and Attendant Care benefits are mandatory. Other benefits, such as Income Replacement, Non-Earner, and Caregiver benefits are optional.

While opting out of coverages might reduce your insurance premium, be mindful this doesn’t accidentally create critical gaps in your coverage.

Non-catastrophic impairments

(Maximum payable)

Catastrophic impairments

(Maximum payable)
Minor Injury
$3,500 limit
$3,500 limit
Cost of Examination
Limit of $2,000 per examination
Limit of $2,000 per examination
Option 1 - Standard
$65,000 limit, paid out over up to 5 years
$1,000,000 limit, with no time limit on payout
Option 2 - Standard Plus
$65,000 limit, paid out over up to 5 years
$2,000,000 limit, with no time limit on payout
Option 3 - Deluxe
$130,000 limit, paid out over up to 5 years
$1,000,000 limit, with no time limit on payout
Option 4 - Deluxe Plus
$130,000 limit, paid out over up to 5 years
$2,000,000 limit, with no time limit on payout
Option 5 - Ultimate
$1,000,000, with no time limit on payout
$2,000,000 limit, with no time limit on payout
Option 6 - Ultimate Plus
$1,000,000, with no time limit on payout
$3,000,000 limit, with no time limit on payout

Your Mandatory Statutory Accident Benefits

This coverage comes standard on all auto insurance policies in Ontario. It helps compensate for medical expenses, and other types of support if you're ever injured in an auto accident.

  • Medical and Rehabilitation benefits

    Helps pay for expenses related to medication, rehabilitation, physiotherapy, etc.

  • Attendant Care benefit

    Helps you pay for services provided by an aide or attendant or by a long-term care facility, if needed after an auto accident.

  • Cost of Examinations benefit

    Covers the cost of any examinations and assessments you may need to have before accessing benefits you’re entitled to.

Customize your optional coverage

If the standard coverage limits on your auto insurance aren't enough, you can increase them by selecting one of our enhanced options.

Minor Injury : $3,500 limit

Cost of Examination: $2,000 per examination

Non-catastrophic impairments

(Maximum payable)

Catastrophic impairments

(Maximum payable)
Option 1 - Standard
$65,000 limit, paid out over up to 5 years
$1,000,000 limit, with no time limit on payout
Option 2 - Standard Plus
$65,000 limit, paid out over up to 5 years
$2,000,000 limit, with no time limit on payout
Option 3 - Deluxe
$130,000 limit, paid out over up to 5 years
$1,000,000 limit, with no time limit on payout
Option 4 - Deluxe Plus
$130,000 limit, paid out over up to 5 years
$2,000,000 limit, with no time limit on payout
Option 5 - Ultimate
$1,000,000, with no time limit on payout
$2,000,000 limit, with no time limit on payout
Option 6 - Ultimate Plus
$1,000,000, with no time limit on payout
$3,000,000 limit, with no time limit on payout

Add any of these optional coverages

Adding any of these coverages to your Standard Accident Benefits gives you greater support if you or someone on your policy is injured in an auto accident and needs time to recover.

Who's covered These benefits apply to you, your spouse, any dependants that either of you have, and any drivers you add to the policy.

  • Income Replacement

    If you are unable to work, this can cover 70% of your gross income, up to $400 per week. You can increase this to up to $1,000 per week.

  • Non-Earner

    If you don’t qualify for income replacement, and can't continue daily life as before the incident, you may qualify for $185 per week.

  • Caregiver

    If you can't care for someone who needs it, you could receive compensation to hire someone to help you care for them.

  • Dependant Care

    Helps pay for qualifying expenses incurred caring for your dependants after you've been injured in an auto accident.

  • Lost Educational Expenses

    Compensation for lost tuition, books and other education-related expenses up to $15,000.

  • Expenses of Visitors

    Covers reasonable expenses incurred by family and friends who visit you during recovery and treatments.

  • Damage to Personal Items

    Receive compensation for damaged clothing, glasses and other personal belongings damaged during the accident.

  • Indexation

    Annual adjustment for inflation for many benefits according to the Consumer Price Index for Canada.

  • Death and Funeral

    Helps maintain financial stability if someone on your policy passes away from their auto accident injuries.

  • Housekeeping and Home Maintenance

    Receive up to $100 per week for any extra reasonable expenses to help with housekeeping and maintaining your home while you recover. This benefit applies to all impairments, but you may opt to only access this benefit if you’re “catastrophically impaired.”

What steps should you take?

  • 1

    Review your current coverages

    Understand the mandatory and optional coverages now available through auto insurance in Ontario.

  • 2

    Think about your needs

    Considering each of these coverages, think about your needs and the needs of those that would be covered under your policy.

  • 3

    Review your workplace or private benefits plan

    Check and understand other coverages you and others covered under the policy may have through workplace or private benefits plans.

  • 4

    Customize to your needs

    Based on your requirements and the coverages options available, update your policy accordingly or just leave it as it is.

Frequently Asked Questions

Medical, Rehabilitation and Attendant Care benefits, as well as coverage for Cost of Examination benefits are included in all standard auto insurance policies in Ontario. All other coverage is optional. See the detailed breakdown on this page to discover your optional coverage selections.

Consider your needs based on your unique life circumstances. Mandatory benefits usually reflect coverage everyone needs, like protection from medical costs incurred by injuries. Optional coverages consider situations not everyone will face, like serving as a caregiver or having dependants. Optional coverages allow you to customize your Statutory Accident Benefits package to your specific needs.

You might be considering removing coverages to lower your insurance costs since many Accident Benefits coverages are optional. However, we strongly recommend that you carefully consider the risks and added financial exposure of forgoing specific coverages before making any changes to your existing policy. These coverages are designed to give financial support and provide access to a variety of services that could greatly accelerate the recovery of the injured person or persons. While removing coverages could result in short-term savings, the potential implications of not having adequate coverage in the event of an injury or death could be severe.