what is in a standard auto insurance policy

In September 2010, Ontario implemented an auto insurance reform in response to the increase in minor injury claims.

If you own a vehicle in Ontario, you are required to, at the very least, purchase the following automobile insurance coverage.  You can expand your coverage at a higher rate.

The below chart shows at a high level the coverage and benefits you are entitled to. For a complete list of benefits and coverages please click here.



Medical, Rehabilitation and Attendant Care benefits:
(for non-catastrophic injuries)

$50,000 for medical and rehabilitation benefits, including assessment costs
$36,000 for attendant care benefits

Medical, Rehabilitation and Attendant Care benefits:
(for catastrophic injuries*)

$1 million for medical and rehabilitation benefits, including assessment costs
$1 million for attendant care benefits

Caregiver benefit

Up to $250 per week for the first dependant plus $50 for each additional dependant (only for catastrophic injuries)

Housekeeping and Home Maintenance expenses

Up to $100 per week (only for catastrophic injuries)

Income Replacement Benefits

70 per cent of gross income up to $400 per week

Dependant Care

Not provided

Death and Funeral benefits

$25,000 lump sum to an eligible spouse
$10,000 lump sum to each dependant
maximum $6,000 funeral benefits

* An injury is considered catastrophic if any of the following occur: paraplegia, quadriplegia permanent loss of a limb, total loss of vision in both eyes, severe brain impairment.

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did you know?

Distracted driving is cited as a causal factor in 30 to 50 per cent of traffic collisions on Ontario.

Source: Ontario Provincial Police

Car Accident Timelines

You have 10 business days to provide the insurance company information after it requests, or it can suspend or deny your benefits.

  • 7


    You must inform the Accident Benefits insurance company of the accident and that you were hurt. MORE

  • 30


    You must complete and send the Accident Benefits application within 30 days of it being provided to you by the insurance company. MORE

  • 120


    You need to give written notice of your intention to sue the at-fault parties. MORE

  • 2


    To commence a lawsuit against an at-fault driver or your own insurance company if your benefits are denied. MORE


All of the information on this site has been provided by Carranza LLP, Canada’s first ISO 9001:2008 certified personal injury law firm.

1280 Finch Ave. West, Suite 200

Toronto, Ontario Canada

M3J 3K6

T: 1-877-633-1065

F: 416-633-9782

To reach us by email please contact


Disclaimer: This website is meant as a general reference for injured persons and their families. The medical and legal information contained in this manual is not intended to offer legal or medical advice. The content of this website is for informational and educational purposes only and is not intended as a substitute for the professional judgment of a legal and/or healthcare professional, and you should not rely upon any material or statements made on this website for legal or medical advice. It is not intended to create a solicitor-client relationship. It is recommended that you review any medical information carefully with your doctor or healthcare professional before making any decisions regarding your health or recommended medical treatment. While reasonable attempts have been made to ensure the accuracy of the information on this website, our firm cannot make express or implied representations or warranties about the accuracy or completeness of the information. Each person's legal needs are unique, and these materials may not be applicable to your legal situation. Please contact an Ontario Personal Injury lawyer for a consultation on your particular personal injury matter.

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