As your Navacord broker, we’ll guide you in evaluating your personal risk profile and help you choose the level of protection that best suits your needs.
Medical, rehabilitation, and attendant care remain automatically included in all policies. Your auto insurer will become the first payer for medical and rehabilitation expenses.
Optional accident benefits coverage & priority of payment. This form will be included on all auto policies renewing after July 1st and describes the optional accident benefits that you have either purchased or declined.
Understanding Ontario Auto – Accident Benefits Coverage
Although existing auto insurance policies will renew with the same coverage and limits, who is covered under policies for the newly optional accident benefits will change
Statutory Accident Benefits (SABS) provide financial support if you are injured in a car accident. These benefits are available regardless of who caused the accident and can cover things like medical treatment, rehabilitation, and income if you can’t work because of your injuries.
Moving forward, only medical, rehabilitation, and attendant care will remain mandatory, with optional coverage available to fit your unique needs.
Existing auto insurance policies will renew with the same coverage and limits that they currently have in place.
Reform: Becomes an optional benefit that can be purchased for ‘an impairment’, meaning catastrophic and non-catastrophic impairments, in chosen amounts based on the offerings of the insurer. (Caregiver Benefits & Housekeeping and Home Maintenance)
Your current coverage will automatically continue unless you let your broker know you would like to make specific changes.
You will need to review and decide whether to keep, add, or remove coverage.
Speak to your Commercial Advisor to learn more about how this change impacts you and your employees.
Starting July 1, 2026, new customers may choose which optional accident benefits to purchase. Ask us which benefits are included in your quote.
You may want to add optional benefits to your policy based on your needs.
