Accident benefits: The new structure
Medical, rehabilitation and attendant care benefits are still mandatory. The following benefits are optional:
- Income replacement
- Non-earner
- Caregiver benefits
- Lost educational expenses
- Expenses of visitors
- Housekeeping and home maintenance
- Damage to personal items
- Death benefits
- Funeral benefits
- Dependent care
- Indexation
- Supplementary medical, rehabilitation and attendant care benefits
Who is covered by optional accident benefits?
As of July 1, 2026, optional benefits only apply to:
- Named insured
- Spouse of the named insured
- Dependents of the named insured and of the named insured’s spouse
- Persons specified in the policy as drivers of the insured automobile
This means that some people (such as pedestrians, cyclists and certain passengers) who may been have covered in the past may no longer be eligible for accident benefits.
What the changes mean for you
If you’re insured with us
Your policy will renew automatically with your current coverage and limits. If you want to change benefits that have become optional, contact us before renewal. We’re here to help you get the right coverage for your needs.
Note that who is covered under your policy for optional benefits will change on July 1, 2026, regardless of your renewal date.
If you get insurance after July 1, 2026
When you buy your insurance, you can choose the optional benefits you want to include in your policy.
For more information, visit the Standard car insurance coverage page or call us at 1-888-476‑8737.