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Comparison table

Beginning September 1, 2010, if you are buying a new policy or renewing an existing one, you have the following options with respect to Statutory Accident Benefits*:

Coverage Coverage under your existing auto insurance policy Coverage under New Standard Auto Insurance Policy Options available to increase your benefits

Medical, Rehabilitation and Attendant Care benefits – for non-catastrophic injuries

$100,000 for medical and rehabilitation benefits

$72,000 for attendant care benefits

$50,000 for medical and rehabilitation benefits, including assessment costs

$36,000 for attendant care benefits

$100,000 or $1,100,000 for medical and rehabilitation benefits including assessment costs

$72,000 or $1,072,000 for attendant care benefits

Medical, Rehabilitation and Attendant Care benefits – for catastrophic injuries

$1,000,000 for medical and rehabilitation benefits$

1,000,000 for attendant care benefits

$1,000,000 for medical and rehabilitation benefits including assessment costs

$1,000,000 for attendant care benefits

An additional $1,000,000 for medical, rehabilitation and attendant care benefits including assessment costs

Caregiver benefit

Up to $250 per week for the first dependant plus $50 for each additional dependant

Available for all injuries

Up to $250 per week for the first dependant plus $50 for each additional dependant

Available only for catastrophic injuries

Up to $250 per week for the first dependant plus $50 for each additional dependant

Available for all injuries

Housekeeping and Home Maintenance expenses

Up to $100 per week, available for all injuries

Up to $100 per week, available only for catastrophic injuries

Up to $100 per week, available for all injuries

Income Replacement benefit

80 per cent of net income up to $400 per week

70 per cent of gross income up to $400 per week

Weekly limit can be increased to $600, $800 or $1000 per week.

Dependant Care benefit

Not provided

Not provided

Up to $75 per week for the first dependant and $25 per week for each additional dependant to a maximum of $150 per week

Death and Funeral benefits

$25,000 lump sum to an eligible spouse

$10,000 lump sum to each dependant

Maximum $6,000 funeral benefits

$25,000 lump sum to an eligible spouse

$10,000 lump sum to each dependant

Maximum $6,000 funeral benefits

$50,000 lump sum to an eligible spouse

$20,000 lump sum to each dependant

Maximum $8,000 for funeral benefits

Indexation benefit

Applicable to income replacement benefit, non-earner benefit, caregiver benefit and attendant care benefit or medical and rehabilitation benefit

Not provided

Not provided

Annual adjustment according to the Consumer Price Index for Canada

*Statutory Accident Benefits are benefits you receive if you are injured in an auto accident, regardless of who was at fault. Most of the new reforms affect these benefits.


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