Ontario changed the way statutory accident benefits are packaged on July 1, 2026. The change matters because accident benefits can help pay for treatment, rehabilitation and other losses after a motor vehicle accident, regardless of who caused the collision.
According to the Financial Services Regulatory Authority of Ontario (FSRA), standard medical, rehabilitation and attendant-care benefits remain included in Ontario auto policies. These benefits can help with eligible treatment, therapy, rehabilitation and personal-care needs caused by an accident.
Other benefits can now be selected or removed when a policy is purchased or renewed. Depending on the policy, these may include income-replacement, non-earner, caregiver, lost-education, visitor-expense, housekeeping, personal-item, death and funeral benefits. Supplementary medical, rehabilitation and attendant-care coverage also remains available as an option.
Existing customers generally renew with the same benefits and limits unless they agree in writing to change or decline coverage. However, the people covered by newly optional benefits changed on July 1, 2026. FSRA says optional coverage generally applies to the named insured, their spouse and dependants, and people specifically listed as drivers.
Two people injured in similar collisions may have different coverage because their policies and optional benefits are different. After an accident, obtain the policy certificate and endorsements, confirm who is insured, and identify which benefits were in force on the accident date.
Krylaw’s Accident Benefits page explains the relationship between no-fault benefits and compensation from an at-fault driver. More common questions are answered in the Personal Injury FAQs.
This article provides general legal information as of September 2026 and is not legal advice. Coverage and deadlines depend on the policy and the facts of the accident.
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