Ontario Accident Benefits

In Ontario, residents who own and drive a car are required to purchase car insurance which must include: Liability coverage, Direct Compensation, Uninsured Automobile coverage and Accident Benefits coverage.

Accident Benefits coverage provides you (or in the case of death, your dependants) with mandatory benefits you're entitled to receive if you're injured or killed in a car accident, regardless of who's at fault. And, if you're looking to increase your Accident Benefits coverage, you have the option to purchase enhanced benefits to add to your standard policy. Here's a list of options you can consider:

Coverage Options

Standard Auto Insurance Policy

Medical, Rehabilitation and Attendant Care benefits: for non-catastrophic injuries

  • $65,000 for medical and rehabilitation benefits, including assessment costs and attendant care benefits for non-catastrophic injuries.

Medical, Rehabilitation and Attendant Care benefits: for catastrophic injuries

  • $1,000,000 for medical and rehabilitation benefits including assessment costs and attendant care benefits for catastrophic injuries.

Caregiver benefit

  • Up to $250 per week for the first dependant plus $50 for each additional dependant; available only for catastrophic injuries.

Housekeeping and Home Maintenance expenses

  • Up to $100 per week, available only for catastrophic injuries.

Income Replacement benefit

  • 70 per cent of gross income up to $400 per week.

Dependant Care benefit

Not provided.

Death and Funeral benefits

  • $25,000 lump sum to an eligible spouse; $10,000 lump sum to each dependant; maximum $6,000 funeral benefits.

Indexation benefit*

Not provided.

Options for Increasing your benefits

Medical, Rehabilitation and Attendant Care benefits: for non-catastrophic injuries

Instead of the standard coverage, you can choose:

  • Option A: A $130,0002 coverage for medical and rehabilitation benefits including assessment costs and attendant care benefits in case of non-catastrophic impairment OR
  • Option 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.

Medical, Rehabilitation and Attendant Care benefits: for catastrophic injuries

  • 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.

Caregiver benefit

  • Up to $250 per week for the first dependant plus $50 for each additional dependant; available for all injuries.

Housekeeping and Home Maintenance expenses

  • Up to $100 per week, available for all injuries.

Income Replacement benefit

  • Weekly limit can be increased to $600, $800 or $1000 per week.

Dependant Care benefit

  • Up to $75 per week for the first dependant and $25 per week for each additional dependant to a maximum of $150 per week.

Death and Funeral benefits

  • $50,000 lump sum to an eligible spouse; $20,000 lump sum to each dependant; maximum $8,000 for funeral benefits.

Indexation benefit*

  • 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.

For more information on Accident Benefits coverage, contact your insurance provider, contact us or simply get a quote to get started.

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.