Understanding Ontario Accident Benefits

Accident Benefits are benefits available through automobile insurance gollowing a motor vehicle accident.  They can provide assistance for certain medical, rehabilitation, attendant care and other accident-reated needs, depending on your circumstances and isurance coverage.

 Accident Benefits may be available regardless of who caused the accident. The benefits available to you will depend on the circumstances of the accident and your insurance coverage 

  Ontario changed its Accident Benefits system on July 1, 2026. Medical, Rehabilitation and Attendant Care Benefits remain mandatory. Other Accident Benefits, including Income Replacement Benefits, are now optional coverages. 

 If an insurer denies a benefit or treatment plan, review the denial carefully. There may be options to dispute the insurer's decision, and deadlines can apply. Consider obtaining legal advice promptly. 

 Income Replacement Benefits may be available if you purchased or are covered by this optional benefit and meet the eligibility requirements. Your policy and individual circumstances should be reviewed.

 Yes. A passenger injured in a motor vehicle accident may be entitled to Accident Benefits. Which insurer responds and which benefits are available will depend on the circumstances and applicable coverage.

 A pedestrian or cyclist injured in an accident involving a motor vehicle may have access to Accident Benefits. The applicable insurer and available coverage depend on the circumstances.

 You do not necessarily need a lawyer to submit an Accident Benefits claim. However, if benefits or treatment are denied, there is a dispute with the insurer, or you are unsure of your rights, speaking with a personal injury lawyer may help you understand your options.

 Accident Benefit claims can be complex, particularly following the July 1, 2026 changes. If you have questions about your benefits or an insurance denial, Bayview Personal Injury Lawyers can help you understand your legal options.