Blogs » Law and Legal Services » Deutshmann Personal Injury & Disability Law - PERSONAL INJURY & DISABILITY LAW BLOG


Deutshmann Personal Injury & Disability Law - PERSONAL INJURY & DISABILITY LAW BLOG
Auto Insurance Changed June 1, 2016 - Are you prepared?
Return to Blog 
Deutschmann Law logo

There was not a lot of coverage of the significant changes that were made to the Ontario Auto Insurance benefits regime this summer. Coverages for personal injury were reduced drastically in an effort to help insurance companies reduce premiums to customers. Sadly, the changes in coverage will leave many injured people without the resources to recover from their injuries.

As an owner of a car you are required to buy car insurance. Your policy is effective for one year and upon renewal you will be advised of the changes and details of the reduced benefits. You should be aware of the changes now, and be ready to call your broker or insurance company immediately to purchase optional coverage increases.

FSCO published a bulletin outlining the changes. They recommend you take the following steps:

  1. Read the "Important Changes to your Policy!" document that came in your renewal package. See if the changes reduce or eliminate something that was important to you, and if so what you can do about it.
  2. Compare the new policy to your current policy to see what changes have been made. Remember, if you have benefits from your employer or another policy, you may already have some level of coverage for some or all of the changes made. You should consider these benefits as you review your coverage options.
  3. Understand your policy. Call your insurance representative and ask questions, or do some additional reading, to make sure you understand auto insurance or what a coverage means. Make sure you know what options are available to increase or purchase other benefits, or to reduce premiums by increasing deductibles or taking advantage of discounts.
  4. Shop around. There are many insurance companies competing on price and service in Ontario, and you should make sure that you compare at least three quotes for the same coverages before making a decision. You may purchase a policy through a licensed insurance broker, insurance agent or from a direct writer. There are many ways to save on auto insurance.

As you can see in the charts below,  the coverages are significantly reduced, and while the amounts may seem adequate at first glance, it’s important to remember that the costs of rehabilitation quickly mount in case of a serious injury, particularly if you are required to hire an attorney and pay their fees.

Most significant changes

Whether you are buying a new policy or renewing an existing one, you should be aware of the most significant changes to statutory accident benefits:



Current Policy

New Policy

Medical and Rehabilitation for non-catastrophic injuries



These benefits have been combined and reduced to $65,000 total ?

Attendant Care for non-catastrophic injuries


Medical and Rehabilitation for catastrophic injuries



These benefits have been combined and reduced to $1,000,000 total ? 

Attendant Care for catastrophic injuries


Some important things to remember about these benefits:

  • If you have previously chosen to purchase optional benefits to increase these amounts, check your policy – they may have changed to reflect amounts available in new options.
  • Medical, Rehabilitation and Attendant Care benefits for minor injuries are fixed at a maximum limit of $3,500.

The optional benefits available for Medical, Rehabilitation and Attendant Care have also changed:


Current Optional Benefit

Optional Benefit available on or after 
June 1, 2016


Non-catastrophic injuries


Medical and Rehabilitation for non-catastrophic injuries $100,000

$72,000 and $100,000 options have been eliminated.

New: Combined Medical, Rehabilitation and Attendant Care of $130,000** for non-catastrophic injuries.

If you have previously chosen to purchase these optional benefits check your policy or contact your agent or broker – they may have changed to reflect the amount available in this new option. 


?Attendant Care for non-catastrophic injuries $72,000


Catastrophic injuries


?Not available

New: Combined Medical, Rehabilitation and Attendant Care of $1,000,000 for catastrophic injuries only.?


 The $1,000,000 Medical, Rehabilitation and Attendant Care optional benefit for all injuries (non-catastrophic and catastrophic) remains unchanged. If you have previously chosen to purchase this optional benefit it will appear on your new policy. 

The chart below illustrates the overall benefit limits available depending on which optional benefit or combination of optional benefits you purchase, if any:


Medical, Rehabilitation and Attendant Care

Maximum for 
Non-catastrophic injuries

Maximum for
catastrophic injuries

Standard: No options purchased


$1 million

$130,000 combined (non-catastrophic injuries)*


$1 million

$1 million (all injuries)*

$1 million

$2 million

$1 million (catastrophic injuries)


$2 million


$130,000 combined (non-catastrophic injuries) 
+ $1 million (catastrophic injuries)


$2 million

$1 million (all injuries) + $1 million (catastrophic injuries)

$1 million

$3 million

*$130,000 optional combined (non-catastrophic injuries) and $1 million optional (all injuries) cannot be purchased together. ** Duration of benefit is five (5) years for adults.



Posted on Saturday, Jan 21, 2017 - 09:56:00 AM EST
 Comments  (0) Post a Comment 
   By Deutschmann Personal Injury & Disability Law - Visit Our Business Directory Listing  |   Return to Blog 

Blogs Home   |   Start a Blog   |   Subscribe To Blog
News   |   Announcements   |   Events Calendar
Contact The News Editor   |   News FAQs

    <<     September  2020     
S M Tu W Th F S
    1 2 3 4 5
6 7 8 9 10 11 12
13 14 15 16 17 18 19
20 21 22 23 24 25 26
27 28 29 30      
Jump to:

Article Categories
Disability Law
Car Insurance
Law Enforcement
Personal Injury Law

Recent Articles
Drug Impaired Driving
Auto insurance deductibles unfair to seniors, homemakers, children and the disabled.
Should We Name and Shame Impaired Drivers?
Brain Injury and Psychiatric Illness
Women and Concussion
Feds Pushing Provinces to Stiffen Distracted Driving Laws
Government Proposing Tax on Employer Health Benefits
NFL Settles $30 Million CTE Lawsuit
Undiagnosed Concussions Common Following Car Accidents
Stunt Driving - What it is, What it will cost you
Construction Season Ramping Up, Again
Lawyer Fees
TBI Diagnosis with A Microwave Helmet
Are Ride Hailing Apps Reducing Drunk Driving Rates?
Using Microwaves to Catch Post TBI Brain Bleeds
Outdoor Adventures Aren't Without Dangers
Who has the right of way in designated cyclist lanes?
Are Young Athletes Really Ready to Return to Play Post-Concussion?
Spit Test May Indicate Severity of Concussions in Children
Wildlife strikes can be deadly

Articles by Month of Posting
January 2018
January 2017
January 2016
August 2015
July 2015
June 2015
May 2015
April 2015
March 2015
February 2015
January 2015
December 2014
November 2014
October 2014
September 2014
August 2014
July 2014
June 2014
May 2014
April 2014
March 2014
February 2014
January 2014
December 2013
November 2013
October 2013
September 2013
August 2013
July 2013
June 2013
May 2013
April 2013
March 2013
February 2013
January 2013
December 2012
August 2012
July 2012
May 2012
April 2012