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, Rehabilitation and Attendant Care Benefit

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.

Caregiver Benefit

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).

Housekeeping and Home Maintenance Expenses

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).

Income Replacement Benefit

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.

Dependant Care Benefit

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).

Death and Funeral Benefit

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.

Indexation Benefit

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.

Tort Deductible

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 (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.