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Auto Insurance Optional Accident Benefits

Auto Insurance Accident Benefits

Optional Accident Benefits


On June 1, 2016 the Ontario government mandated some changes to our auto insurance policies.

The majority of these changes were related to the accident benefits portion of your policy.   It’s more important than ever to review these changes with your broker to ensure you are adequately covered in the event you are injured in a car accident.

Ontario Auto Insurance policies used to provide a standard limit of $50,000 for medical and rehabilitation for non-catastrophic injuries along with $36,000 for attendant care expenses.  Now, under the new rules, standard limit for non-catastrophic medical and rehabilitation and attendant care is a combined $65,000.  Sounds like a lot of money, but with average monthly physiotherapy bills running around $1,500 it would not take long to reach the maximum once you add in prescription drugs and other therapies that are often combined in motor vehicle accidents such as chiropractic and massage therapy.

There are other optional coverages to consider also such as housekeeping and home maintenance.  Do you have someone who would take on all of your household chores if you were unable to?  Income replacement is another.  If you make more than $30,000 per year the standard income replacement benefit of 70% of your gross income up to $400 per week may not be sufficient.

Are you responsible for taking care of your children or elderly parents during the day?  You may want to consider dependent care coverage to help with the cost of someone else caring for them if you are unable to due to a car accident.  Let the experienced professionals at Kawartha Quotes help you maneuver the overwhelming options to find the right amount of coverage for your situation.