Accident Benefits

When involved in an accident involving a motor vehicle insured in Ontario you are entitled to make an accident benefits claim.

Accident Benefits Coverage are available if you are injured in an accident, no matter who caused the accident. It includes:

1. Income replacement benefits: If you are unable to work, you may qualify for income replacement benefits of 70% of your gross income, to a maximum $400 per week. You have the option to increase coverage of up to $1000 per week.

2. Caregiver benefits: If you cannot provide care to a dependent, you could receive compensation to hire someone to help you care for them. Coverage is applicable to specific injuries. You can add optional coverage to include all injuries.

3. Non-earner benefits : If you don’t qualify for income replacement, are a student, and cannot continue on daily life as previous to the accident, you may qualify to receive non-earner benefits of $185 per week.

4. Medical and Rehabilitation Benefits: This covers the cost of health care and rehabilitation as a result of an accident. Benefits include physiotherapy, prescriptions, chiropractic, counseling, and other services that are not covered by OHIP or through your group insurance plan (if applicable). Medical care and costs that qualify are listed in the statutory accident benefits schedule.

5. Attendant Care Benefits: You will be provided with assistance at your home or healthcare facility to help you recover from a serious auto accident injury.

6. Death and Funeral Benefits

In the event if you pass away as a result of a car accident, the following benefits will be paid out:

· $25,000 to your spouse

· $10,000 to each of your dependents

· A maximum of $6,000 for funeral expenses

You have the option to increase benefits to $50,000 for your spouse, $20,000 to dependents, and $8,000 for funeral expenses.

7. Other Expenses

Additional expenses may also be covered as part of your accident benefits coverage. They include:

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

2. Expenses of visitors: Reasonable expenses incurred by family and friends to visit you during recovery and treatments. Your spouse, children, grandchildren, parents, grandparents, siblings, certain other dependents, and guardians qualify.

3. Housekeeping and home maintenance: Receive up to $100 per week for reasonable expenses to help with housekeeping and maintaining your home while you recover only if you are catastrophically impaired

4. Damage to clothing, glasses, and other belongings: Receive compensation for damaged clothing, glasses and other personal medical devices damaged during the accident.

5. Cost of examinations: Compensation for the cost of examinations related to treatments as part of your recovery from an accident.


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