Ontario Statutory Accident Benefits: What Coverage is Available for Car Accident Victims?

Published on November 6, 2017

The Statutory Accident Benefits Schedule, also known as SABS, is a Provincial Regulation of benefits that all automobile insurance companies in Ontario provide. The SABS provide benefits 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 of severe impairments to family members.


The SABS is a mandatory coverage in Ontario.  Broadly speaking, coverage can include medical, rehabilitation, attendant care and income replacement. Keep in mind that as of June, 2016, the Ontario Provincial Government reduced the level of SABS coverage available to accident victims. However, individuals may increase their benefits by purchasing optional benefits.


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

 

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 sum and $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 Benefit
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 Benefit
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.