Ontario Accident Benefits Explained

Published on August 9, 2017

The Statutory Accident Benefits Schedule, also known as SABS, is a Provincial Regulation of benefits that all automobile insurance companies in Ontario provide. Ontario accident benefits, also known as statutory accident benefits, provide financial compensation to any driver, passenger or pedestrian who is injured in a motor vehicle accident, regardless of who is at fault. In some cases, family members are also eligible for accident benefits, even if they were not directly involved the car accident, but suffered psychological stress as a result.

Statutory accident benefits is a mandatory coverage in Ontario. There are also many types of Ontario accident benefits. Broadly speaking, coverage can include medical, rehabilitation, attendant care and income replacement. Keep in mind that as of June 2016, coverage was reduced, which the Ontario Government alleges was needed to lower auto insurance payments. However, individuals may increase their benefits by purchasing option benefits.

This blog post will break down the several different types of benefits below.

Ontario Accident Benefits Explained

 

  • Medical, Rehabilitation and Attendant Care Benefits (For Non-Catastrophic Injuries)

    These benefits pay for medical, rehab and attendant care. Coverage under a standard auto insurance policy is now $65,000 in total. If you have suffered a minor injury (a sprain type injury) your benefit is limited to $3,500.

  • Medical, Rehabilitation and Attendant Care Benefits (For Catastrophic Injuries)

    These benefits are the same as above with the difference being that they apply to those with catastrophic injuries such as brain damage, loss of limbs and/or paralysis. Coverage under a standard auto insurance policy is $1 million in total. This level of coverage can also be purchased as an optional benefit at an additional premium for non-catastrophic claims.

  • Income Replacement Benefit

    This benefit offers 70 percent of gross income up to $400 a week under a standard auto insurance policy.

  • Death and Funeral Benefits

    Death benefits offer $25,000 to an eligible spouse in a lump sump. $10,000 is given to each dependent. Funeral benefits offer a maximum of $6,000 – again, all of this is under a standard auto insurance policy.

  • Caregiver Benefits

    The caregiver benefit offers up to $250 per week for the first dependent as well as an extra $50 for each additional dependent. The caregiver benefit is only available to those with catastrophic injuries.

  • Housekeeping and Home Maintenance Expenses

    This benefit provides up to $100 per week under a standard auto insurance policy. It is also only available to those with catastrophic injuries.

If you have been injured as a result of an automobile accident and are seeking compensation, or you are wondering what accident benefits you are entitled to, consider Sean Giovannetti. Sean is a personal injury lawyer with extensive experience, including prior experience practicing at two of Ottawa’s most prominent law firms and handling accident benefit claims for insurance companies. He will get you the compensation you deserve. For more information, please contact us today.

 

Found in: Accident Benefits