Enhanced Accident Benefits

Enhanced Accident Benefit Coverage Details

Protect yourself, your passengers or pedestrians through compensation in the case of Accident Benefits provides compensation if you, your passengers, or pedestrians are hurt or killed in a car accident.

Your accident benefit policy will make a world of a difference if you are ever injured. 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, Rehabilitation and Attendant Care Benefit

Medical and Rehabilitation: Reimbursement for reasonable, necessary 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.

Standard Accident Benefit

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

Enhanced Benefits

Increase Non-Catastrophic benefit to $130,000 total;
Add an additional $1,000,000 for a total of $2,000,000 for Catastrophic Injuries;
Increase combined all injury benefit to $1,000,000 and combined Catastrophic benefit total to $2,000,000.

Caregiver Benefit

If you have to hire someone to care for your dependants, this benefit will reimburse some of the costs.

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).

Housekeeping and Home Maintenance Expenses

Reimbursement for someone to carry out your household responsibilities.

Standard Accident Benefit

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

Enhanced Benefits

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

Income Replacement Benefit

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

Standard Accident Benefit

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

Enhanced Benefits

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

Dependant Care Benefit

Reimbursement for additional expenses to care for your dependants if you’re employed and injured from a car accident.

Standard Accident Benefit

Not provided.

Enhanced Benefits

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

Death and Funeral Benefit

A lump sum payment to your designated beneficiaries; a second lump sum payment to cover the cost of funeral expenses.

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;
$20,000 for each dependant
Up to $8,000 for funeral.

Indexation Benefit

Adjustment of 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.

Tort Deductible

If you want to use your insurance to file a lawsuit for pain and suffering, and at the conclusion of the lawsuit you receive compensation of less than the specified amount (see 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.