Injuries

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.

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.