If you own a vehicle in Ontario, you're required by law to purchase auto insurance coverage in case an accident occurs. At a minimum, you must carry third-party liability, accident benefits, direct compensation property damage, and uninsured automobile.
You have the option to increase limits and purchase additional accident benefits coverage to protect your lifestyle.
Protects you when someone is injured or killed, or property is damaged. Pays defence costs to settle claims from any lawsuits against you, up to the set limit. Legally in Ontario you must carry at least $200,000 in liability.
Direct Compensation Property Damage
If someone else is at fault for an accident, direct compensation covers damage to your vehicle, its contents and equipment including loss of use and contents.
Protects you and your family if you're injured or killed by a hit-and-run driver or an uninsured motorist; covers damage to your vehicle caused by identified, uninsured drivers.
If you've been injured in an accident, regardless of who caused it, accident benefits cover expenses not covered by OHIP like rehabilitation, caregiving, and loss of income. See below for options.
Catastrophic Injuries: Loss of a limb, para/quadriplegia
Non-Catastrophic Injuries: Minor injuries (sprains, whiplash) and serious injuries (broken bones)
Medical and Rehabilitation
Reimbursement for reasonable, necessary medical and rehabilitation expenses like physiotherapy not covered by OHIP or Group Insurance Plans.
Reimbursement for an attendant to look after you either at home or within a healthcare facility.
Standard Coverage for Medical, Rehabilitation and Attendant Care
- Non-Catastrophic Injuries: $65,000 total for Medical, Rehabilitation and Attendant Care
- Catastrophic Injuries: $1,000,000 total for Medical, Rehabilitation and Attendant Care
Optional Coverage for Medical, Rehabilitation and Attendant Care
- Increase Non-Catastrophic benefit to $130,000 total
- Add an additional $1,000,000 for a total of $2,000,000 for Catastrophic Injuries
- Increase combined all injury benefit to $1,000,000 and combined Catastrophic benefit total to $2,000,000