Ontario Accident Benefits

Coverage
Medical, Rehabilitation and Attendant Care benefits: for non-catastrophic injuries
Coverage under Standard Auto Insurance Policy
$65,000 for medical and rehabilitation benefits, including assessment costs and attendant care benefits for non-catastrophic injuries.
Options available to increase your benefits1
Instead of the standard coverage, you can choose: A) A $130,0002 coverage for medical and rehabilitation benefits including assessment costs and attendant care benefits in case of non-catastrophic impairment OR B) $1,000,000 coverage for medical and rehabilitation benefits including assessment costs and attendant care benefits in case of non-catastrophic coverage plus an additional $1,000,000 coverage in case of catastrophic injury, for a total of $2,000,000 in catastrophic injury protection.
Coverage
Medical, Rehabilitation and Attendant Care benefits: for catastrophic injuries
Coverage under Standard Auto Insurance Policy
$1,000,000 for medical and rehabilitation benefits including assessment costs and attendant care benefits for catastrophic injuries.
Options available to increase your benefits1
An additional $1,000,000 coverage for medical, rehabilitation and attendant care benefits including assessment costs in case of catastrophic impairment is also available.
Combine this option with B) above for a total of $3,000,0003 in Catastrophic injury protection.
Coverage
Caregiver benefit
Coverage under Standard Auto Insurance Policy
Up to $250 per week for the first dependant plus $50 for each additional dependant; available only for catastrophic injuries.
Options available to increase your benefits1
Up to $250 per week for the first dependant plus $50 for each additional dependant; available for all injuries.
Coverage
Housekeeping and Home Maintenance expenses
Coverage under Standard Auto Insurance Policy
Up to $100 per week, available only for catastrophic injuries.
Options available to increase your benefits1
Up to $100 per week, available for all injuries.
Coverage
Income Replacement benefit
Coverage under Standard Auto Insurance Policy
70 per cent of gross income up to $400 per week.
Options available to increase your benefits1
Weekly limit can be increased to $600, $800 or $1000 per week.
Coverage
Dependant Care benefit
Coverage under Standard Auto Insurance Policy
Not provided.
Options available to increase your benefits1
Up to $75 per week for the first dependant and $25 per week for each additional dependant to a maximum of $150 per week.
Coverage
Death and Funeral benefits
Coverage under Standard Auto Insurance Policy
$25,000 lump sum to an eligible spouse; $10,000 lump sum to each dependant; maximum $6,000 funeral benefits.
Options available to increase your benefits1
$50,000 lump sum to an eligible spouse; $20,000 lump sum to each dependant; maximum $8,000 for funeral benefits.
Coverage
Indexation benefit*
Coverage under Standard Auto Insurance Policy
Not provided.
Options available to increase your benefits1
Annual adjustment according to the Consumer Price Index for Canada.

Source: Insurance Bureau of Canada

You also have new choices to customize your deductibles - the portion of a loss that you are required to pay:

  •   Direct Compensation: Property Damage Coverage - You have the option of a $500, $300 or no deductible at all on coverage to repair the auto of the driver who is not-at-fault.
  •   Tort deductible - You have the option to purchase an endorsement that reduces the deductible associated with court awarded compensation for pain and suffering by $10,000, and for Family Law Act claims by $5,000. The Tort deductible amount will be adjusted on an annual basis as of January 1st of every year and will be published in The Ontario Gazette.

1If you have previously chosen to purchase these optional benefits check your policy - they may have changed to reflect amounts available in new options.
2Medical, Rehabilitation and Attendant Care benefits for minor injuries are fixed at a maximum limit of $3,500.
3If you purchase both the additional $1,000,000 Medical, Rehabilitation and Attendant Care benefit and the $1,000,000 for catastrophic the total eligible benefit amount for a catastrophic impairment would be $3,000,000.
*Applicable to income replacement benefit, non-earner benefit, caregiver benefit, attendant care benefit or medical and rehabilitation benefit.

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