Accident Benefits Coverage

Income Replacement	If you cannot work as the result of a car accident, you may be eligible for weekly income replacement benefits for up to 104 weeks. Consider what you earn annually, along with any other Income Replacement coverage you may have, to choose benefits ranging from a maximum of $400/week ($20,000/year) to $1,000/week ($52,000/year).** view coverage options Standard Optional 70% of gross weekly income, max. $400/week (i.e. up to $20,000/year) 70% of gross weekly income, max. $600/week (i.e. up to $31,200/year) 70% of gross weekly income, max. $800/week (i.e. up to $41,600/year) 70% of gross weekly income, max. $1000/week (i.e. up to $52,000/year)
Medical and Rehabilitation Minor Injury Non-Minor Injury Catastrophic Injury Minor Injury Non-Minor Injury Catastrophic Injury	This benefit covers medical and rehabilitation expenses (e.g. physiotherapy, prescriptions, and many of the costs outlined in REALITY CHECK) that are not covered by OHIP or most employer benefits plans. The most expansive Medical and Rehabilitation benefit is offered as part of a Combined Medical, Rehabilitation and Attendant Care benefit (see below).*** view coverage options Standard Optional   Combined Medical, Rehabilitation and Attendant Care *** $3,500 $3,500 $3,500 $50,000 $100,000 $1,100,000 $1,000,000 $1,000,000 $2,000,000 Standard Optional   No Coverage N/A N/A $36,000 $72,000 $1,072,000 $1,000,000 $1,000,000 $2,000,000
Attendant Care	If you have been seriously injured in a car accident and require an aide or attendant to look after you – either at home or in a healthcare facility – this benefit is intended to cover the associated expense.  (The Attendant Care coverage options will appear directly above this definition.) view coverage options
Caregiver, Housekeeping and Home Maintenance Minor Injury Non-Minor Injury Catastrophic Injury	If you are providing full-time care to dependants and can no longer do so as the result of a car accident, the caregiver benefit reimburses you for the expense of hiring someone to provide that care. If you are unable to perform your usual housekeeping or home maintenance duties, these corresponding benefits pay for someone to perform the duties. These benefits are paid for up to 104 weeks. view coverage options Standard Optional N/A $250/week for first person in need of caregiver $50/week for each additional $100/week for housekeeping and home maintenance N/A $250/week for first person in need of caregiver $50/week for each additional $100/week for housekeeping and home maintenance
Dependant Care	If you are employed and have dependants (i.e. people relying on you for financial support), this optional benefit is intended to pay additional expenses incurred for their care. These dependants may include, for example, your children or elderly persons in your care. view coverage options Standard Optional N/A $75/week, plus $25 for each additional dependant, to a maximum of $150/week
Indexation	This optional benefit provides for the automatic adjustment over time of Income Replacement, Medical and Rehabilitation, Attendant Care and other benefits, in response to changes in inflation, determined according to the Consumer Price Index of Canada. view coverage options Standard Optional N/A Provides for a number of your benefits to be indexed annually, adjusting the amounts based on the percentage change to Canada's Consumer Price Index (speak to your broker for details)
Death and Funeral	If you die as a result of a car accident, this benefit provides a lump sum payment to your spouse and dependants, with an additional payment to cover funeral expenses. view coverage options Standard Optional $25,000 to eligible spouse or former spouse $10,000 to each dependant up to $6,000 funeral expenses $50,000 to eligible spouse or former spouse $20,000 to each dependant up to $8,000 funeral expenses

Other Coverage

Collision or Upset	When your vehicle is involved in a collision with another vehicle or object (or rolls over), this coverage is intended to pay for its repair or replacement. The deductible – or agreement for you to pay the first portion of any loss – is the optional component of this coverage. view coverage options Deductible Options Available N/A $300 $500 $1,000 $2,500 $5,000 $10,000
Comprehensive	This coverage is intended to pay for the repair of damage to your car not arising from an accident, such as falling or flying objects and vandalism. The deductible – or agreement for you to pay the first portion of any loss – is the optional component of this coverage. view coverage options Deductible Options Available N/A $100 $300 $500 $1,000 $2,500 $5,000 $10,000
Liability	If you are found to be at fault in a car accident, this coverage is intended to insure you against the costs of claims or lawsuits made against you. view coverage options Liability Limits Available $200,000 $300,000 $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Direct Compensation – Property Damage (DCPD)	If another licensed Ontario driver is at fault in a car accident, this coverage provides for your own insurer to cover the repairs of damage to your vehicle and its contents. The deductible – or agreement for you to pay the first portion of any loss – is the optional component of this coverage. view coverage options Deductible Options Available $0 $300 $500 $1,000 $2,500 $5,000 $10,000

*Minor and Catastrophic injuries are defined in regulations, available on the Financial Services Commission of Ontario’s website at this link.

**If you are unemployed, a student, or over the age of 65, please ask your insurance broker for additional details about Income Replacement. You may be eligible for Non-Earner benefits (see TERMS TO UNDERSTAND, below) and/or your Income Replacement benefits may be calculated differently.

***The Combined Medical, Rehabilitation and Attendant Care benefit covers you to a maximum sum of $3,500 for Minor Injuries, $3,000,000 for Catastrophic Injuries, and $1,172,000 for all other injuries, for any one accident for an insured person.

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