Accident Benefits is a robust package of benefits and coverages. The Accident Benefits package, as it exists today, came into effect on September 1, 2010 and was introduced to give Ontario drivers more control over their car insurance coverage and premiums.

  1. Medical, Rehabilitation and Attendant Care: for non-catastrophic injuries
    For medical and rehabilitation expenses the standard coverage is $50,000; for attendant care coverage is $36,000.

    Learn more: What's it cover and what are your policy options?


  2. Medical, Rehabilitation and Attendant Care: for catastrophic injuries
    For catastrophic injuries, the standard coverage for medical and rehabilitation expenses is $1,000,000; for attendant care, coverage is $1,000,000.

    Learn more: What if you want more coverage, what are your policy options?


  3. Caregiver benefits
    Caregiver benefits provides $250 per week for one dependant, plus $50 per week for each additional dependant. Caregiver benefits are available to only those with catastrophic injuries.

    Learn more: What's caregiver mean and what are your policy options?


  4. Housekeeping and Home Maintenance expenses
    Provides up to $100 per week for housekeeping and home maintenance expensives if you are catastrophically injured.

    Learn more: What are your policy options?


  5. Income Replacement
    Income replacement provides 70 per cent of your gross income up to a maximum of $400 per week.

    Learn more: What happens if $400 isn't enough; what are your policy options?


  6. Dependent Care
    This is an optional benefit. If purhcased, it will help to offset the cost of childcare expenses if you are in an accident.

    Learn more: How much is the potential benefit?


  7. Death and Funeral benefits
    If you die, the standard amount paid is $25,000 to your eligible spouse, $10,000 for each dependant, and a maximum of $6,000 for funeral expenses.

    Learn more: What if you want more coverage, what are your policy options?


  8. Indexation
    This is optional benefit, if taken, will annually adjust the amounts available when eligible to receive income replacement, non-earner, caregiver, attendant care and medical and rehabilitation benefits.

    Learn more: How is this adjustment determined?

Auto insurance quickguides

The information contained within this article is subject to change. Always speak with your current insurance supplier, or a licensed insurance representative, to answer your specific questions. The information collected and compiled here is intended to simply act as a guide.

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