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Enhanced Accident Benefits

Enhanced Accident Benefit Coverage Details

Accident Benefits provide compensation to: the named insured of the policy, any listed driver(s), spouses of the named insured and dependants who are injured in the accident.

Your accident benefit policy will make a world of a difference if you are ever injured, or worse. Getting the right insurance now will ensure that you and your family are taken care of if:

  • You are unable to work for any period of time (short or extended) due to an accident;
  • You suffer a catastrophic injury and are no longer able to work.

Medical and Rehabilitation: Reimbursement for any reasonable, necessary (as determined by a doctor) medical not covered by OHIP or Group Insurance Plans.
Attendant Care: Reimbursement for an attendant to look after you either at home or within a healthcare facility.
Non-Catastrophic Injuries: Minor Injuries (sprains, whiplash) and Serious Injuries (broken bones).
Catastrophic Injuries: Loss of a limb, para/quadriplegia.

An insurance coverage limit determines the maximum amount of money an insurance company will pay for a covered claim.

Standard Accident Benefits

  • $65,000 limit for Medical, Rehabilitation and Attendant Care (for Non-Catastrophic Injuries);
  • $1,000,000 limit for Medical, Rehabilitation and Attendant Care (for Catastrophic Injuries);
  • $3,500 limit for Minor Injuries such as sprains and whiplash.

Enhanced Accident Benefits

Three options for enhancing your Accident Benefits:

Option 1: Increase Non-Catastrophic Injury Benefit to $130,000 limit;

Option 2: Increase Catastrophic Injuries Benefit to $2,000,000 limit;

Option 3: Increase Non-Catastrophic Injury Benefit to $1,000,000 limit and Catastrophic Benefit total to $2,000,000 limit.

This benefit will reimburse some of the costs if you need to hire someone to care for your dependants because you are unable to due to a car accident.

Standard Accident Benefit

  • Up to $250/week for first dependant, $50/week for additional dependants (Catastrophic Injuries only).

Enhanced Benefits

  • Extend benefit to cover all injuries (not just Catastrophic Injuries).

Reimbursement for someone to perform your household responsibilities.

Standard Accident Benefit

  • Up to $100/week (for Catastrophic Injuries only).

Enhanced Benefits

  • Extend benefit to cover all injuries (not just Catastrophic).

A weekly income up to $400 that begins one week after the accident occurs.

Standard Accident Benefit

  • 70% of gross income up to $400/week.

Enhanced Benefits

  • Increase benefit to $600, $800 or $1,000/week.

Reimbursement for additional expenses to care for your dependants if you’re injured from a car accident. Expenses can include taking your kids to school or sporting events.

Standard Accident Benefit

  • Not provided.

Enhanced Benefits

  • Purchase up to $75/ week for first dependant and $25/week for additional dependants (max $150/week).

This Benefit includes two lump payments: the first to your surviving spouse or dependants, and the second to cover the cost of funeral expenses.

Dependants: Children under the age of 18 living in the home and any other person who is 100% dependent on the deceased person. There is no limit on the number of dependants.

Note: If you have parents, siblings or friends listed in your Will for your estate, they would not get this benefit.

Standard Accident Benefit

  • $25,000 to spouse;
  • $10,000 to each dependant;
  • Up to $6,000 for funeral.

Enhanced Benefits

  • Increase to $50,000 for spouse;
  • Increase to $20,000 for each dependant;
  • Up to $8,000 for funeral.

Adjustment to all of your benefits to account for changes in inflation.

Standard Accident Benefit

  • Not provided.

Enhanced Benefits

  • Annual increase in benefits to account for inflation, according to the Consumer Price Index of Canada.

If you use your insurance to file a lawsuit for pain and suffering, and if at the conclusion of the lawsuit you receive compensation of less than the specified amount shown below, you will have to pay a deductible. This benefit can help you reduce the cost associated with the deductible.

Standard Accident Benefit

  • If your award for a pain and suffering case is under $130,000, then a deductible of $38,818.97 will be taken off your settlement;

  • If your award under the Family Law Act is below $64,697.21, then a deductible of $19,409.49 is applied.

Note: Deductibles increase roughly 2.2% every year with inflation.

Enhanced Benefits

  • General pain and suffering deductible can be reduced to $20,000;
  • Family Law Act deductible reduced down to $10,000.
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      Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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