Our ability to quote Quebec based properties for Ontario residents has been temporarily suspended due to a jurisdiction dispute. The insurers that provided this coverage for us are working to resolve the problem. We are sorry for any inconveniences this may cause you.

 Once again Ontario is amending the accident benefits coverage

in the standard auto insurance policy wording OAP 1.  This is the “No Fault accident benefits compulsory in every auto insurance policy in Ontario.  Therefore, these changes affect every Ontario insured, including you. These changes take effect June 2016.  The change is in the Medical + Rehabilitation and Attendant Care Benefit.

 See below

Accident Benefits Coverage

    Prior to
June 2016
As of
June 2016
Medical, Rehabilitation and Attendant care benefits

Medical + Rehabilitation:

Reimbursement for reasonable necessary medical and rehabilitation expenses like physiotherapy not covered by OHIP or Group Insurance plans.

$50,000 for Medical + Rehabilitation (non-catastrophic injuries).

$65,000 total for Medical + Rehabilitation and Attendant care (non-catastrophic injuries).

Increase to $130,000 non-catastrophic injury.

Attendant Care:

Reimbursement for an attendant to look after you either at home or within a healthcare facility.

$36,000 for Attendant care (non-catastrophic)


$1,000,000 total for Medical, Rehabilitation and Attendant care for catastrophic injuries. Increase to $2,000,000 for catastrophic injuries.

Non-Catastrophic injuries:

Minor Injuries (sprains, whiplash) +serious injuries (broken bones, severe strains).

$1,000,000 for Medical + Rehabilitation for catastrophic injuries

  Increase to $1,000,000 for non-catastrophic injury and $2,000,000 for catastrophic injury to a total of $3,000,000.

Catastrophic Injuries

Loss of limb, para/quadriplegia

 $1,000,000 for Attendant care for catastrophic injuries    

The standard auto policy includes only the standard benefits.  Therefore, insured’s need to review their own situations and requirement and consider enriching the benefits of required.  Unfortunately, none of us know when we might be involved in an accident that causes injuries to the vehicle occupants.

We have, since 2010 sent our Accident Benefits information with renewals recommending you review this section or your auto insurance as your needs may change from year to year. 

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Ontario changes auto accident benefits June 2016

 Once again Ontario is amending the accident benefits coverage

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