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Claims

I was hurt in a collision. How am I covered?

The benefits you can receive depend on what kind of injury you have, and how severe it is. Every person’s situation is unique; we’ll work with you to determine how much help you need to get back to normal life.

You can see the details of your accident benefits coverage in your account. Click Risks and Policies at the top, and navigate to the policy you want to review. Scroll down to see a list of your policy's coverages. You can also download your Confirmation of Auto Insurance on this page, which provides a more detailed breakdown of your coverage.

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I was injured in a collision and can't go to work/school or take care of my dependants. How can my insurance help me?

Your insurance includes accident benefits that will be there to help you. You may qualify to receive one of the following:

Income Replacement
If you’re injured in a collision and can’t work, we’ll provide up to 70% of your gross income to a maximum of $400 a week. Keep in mind that there is a 7-day waiting period from the date of disability. 

Depending on your and your family’s situation, you may want to upgrade this benefit to pay more while you’re out of work. You can do this any time in your account.

Caregiver and Home Upkeep
If you experience a catastrophic injury due to a collision and need help caring for someone who depends on you (e.g. a child or a person with a disability), we’ll provide up to $250 a week to hire a caregiver. For each additional dependant, you’ll receive up to another $50 a week. You can also upgrade this benefit to make it available for all injuries.

Non-Earner Benefits
If you don’t earn income and are in a collision that stops you from carrying on with normal life, we’ll pay you $185 a week to help with expenses while you recover. Keep in mind that this benefit is only payable after the first 4 weeks following the date of disability for a maximum of 2 years.

You can see all the details of your accident benefits coverage on your Certificate of Auto Insurance.

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What are accident benefits and why are they important?

Accident benefits are there to help you and others who have sustained injuries in an auto collision.

Accident benefits pay for reasonable and necessary expenses (up to certain limits) that OHIP and other plans don’t cover – things like medical care, rehab, income replacement and other expenses. In case of a death, they may also provide coverage for funeral expenses and survivor benefits.

You can receive accident benefits regardless of who’s responsible for a collision – and whether you’re a driver, passenger, pedestrian, or cyclist.

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I was injured in a collision. Will my premium go up?

Your premium will never go up because you got hurt. It also won’t go up if you receive accident benefits – they’re meant to help you recover, and you should never feel conflicted about using them if you need them. However, if you were responsible for the collision (at fault) your premium may go up as a result of that.

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When should I report a claim if I'm injured in a collision?

You’ll need to report your claim within 7 days of the accident, or as soon as possible so that your insurance company can best advise you on what compensation you’re eligible for.

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Do I have to pay for treatment up front?

Speak to your insurance carrier's claims department or your adjuster directly to understand what your policy covers.

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