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About Ontario's Statutory Accident Benefits
Statutory Accident Benefits are included in all auto insurance policies in Ontario. Coverages for Medical, Rehabilitation and Attendant Care benefits are mandatory.
However, the Ontario Government has declared that some benefits that used to be mandatory (like Income Replacement, Non-Earner, and Caregiver benefits) are now optional as of July 1, 2026.
While opting out of coverages that used to be mandatory might reduce your insurance premium, be careful this doesn’t accidentally create critical gaps in your coverage. Accidents can get expensive if you don’t have all the coverage you need.
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(Maximum payable) |
(Maximum payable) |
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|---|---|---|
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$3,500 limit
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$3,500 limit
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|
|
Cost of Examination
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Limit of $2,000 per examination
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Limit of $2,000 per examination
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Option 1 - Standard
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$65,000 limit, paid out over up to 5 years
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$1,000,000 limit, with no time limit on payout
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Option 2 - Standard Plus
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$65,000 limit, paid out over up to 5 years
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$2,000,000 limit, with no time limit on payout
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Option 3 - Deluxe
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$130,000 limit, paid out over up to 5 years
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$1,000,000 limit, with no time limit on payout
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Option 4 - Deluxe Plus
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$130,000 limit, paid out over up to 5 years
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$2,000,000 limit, with no time limit on payout
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Option 5 - Ultimate
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$1,000,000, with no time limit on payout
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$2,000,000 limit, with no time limit on payout
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Option 6 - Ultimate Plus
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$1,000,000, with no time limit on payout
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$3,000,000 limit, with no time limit on payout
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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.
Upgrading your mandatory 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: Limit of $2,000 per examination
|
(Maximum payable) |
(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.
What steps should you take?
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1
Review your current coverages
Understand the mandatory and optional coverages now available through auto insurance in Ontario.
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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.
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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.
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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
If you’re an existing customer, your current coverages—including any benefits that are optional as of July 1, 2026—will continue unless you choose to remove them. You can review your insurance and decide whether you would like to remove certain coverages during your next renewal cycle, or on or after July 1, 2026. If you have your personal auto insurance with us, you can update or review coverage by logging into your MyInsurance account online, or via your TD Insurance app. If you're a Small Business customer, please call 1-855-724-2883, or contact your TD Insurance Advisor. If you are a Private Client Advice customer, contact your advisor.
The changes will go into effect on July 1, 2026
Medical, Rehabilitation and Attendant Care benefits, as well as coverage for Cost of Examination benefits will still be included in all standard auto insurance policies in Ontario. All other coverage will be optional. See the detailed breakdown on this page to discover your optional coverage selections.
If you already have your personal auto insurance with us, you can log in to MyInsurance or your TD Insurance app to review your existing coverage. Your optional benefits will continue, but after July 1, 2026, you will have an opportunity to opt out of any benefits you don’t need or add new ones that you do and adjust your coverage limits as needed. If you're a Small Business customer, please call 1-855-724-2883, or contact your TD Insurance Advisor. If you are a Private Client Advice customer, contact your Advisor.
The change is being made by the Ontario Government to make auto insurance more flexible and customer focused.
The changes will apply to both personal and commercial auto insurance customers who live in Ontario. These changes also apply to motorcycles, ATVs, snowmobiles and motorhomes. If you're interested in opting out of coverages that used to be mandatory, please be careful this doesn’t accidentally create critical gaps in your coverage and create larger expenses for you in the event of an auto accident.
You might be considering removing coverages to lower your insurance costs now that many Accident Benefit 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.
Your policy will be updated to reflect these changes as of your first renewal after July 1, 2026. Your current coverage, including now-optional benefits that you may have previously purchased, will automatically continue unless you choose to remove them. You can review your insurance and decide whether you would like to remove or update certain coverages during your next renewal cycle, or on or after July 1, 2026.
Effective July 1, 2026, you will have more choices when it comes to personalizing your optional accident benefit coverages. Think about which benefits are included in your policy and explore changes in coverage options. You may want to add optional benefits to your policy based on your needs.