Who Is Eligible For Accident Benefits In Ontario?

Published on February 4, 2018

The Statutory Accident Benefits Schedule, also known as SABS, is a Provincial Regulation, which requires certain benefits that all automobile insurers in Ontario must provide.  These benefits are available regardless of who was at fault.

Depending upon the extent of the injuries, family members of those injured in a car accident, even if they weren’t directly involved in the car accident, may also be entitled to accident benefits if they suffered psychological stress as a result.

Broadly speaking, drivers, passengers and pedestrians who become injured in a motor vehicle accident are eligible for accident benefits. However, there are also cases where others may also be eligible for accident benefits. Family members (relatives or dependents), for example, may also be entitled to accident benefits as mentioned above.

In the majority of cases, if you reside in Ontario, you are eligible for Ontario accident benefits. However, there are also cases where people may be excluded from some accident benefits, such as the income replacement benefit.  The following people fall in this category:

  • You have made willingly made false misrepresentations to their insurance company and still got automobile insurance as a result;
  • The accident was related to criminal activity (that is, a person was convicted of a criminal offense at the time of the accident, even if the criminal activity did not specifically require the operation of the vehicle);
  • Anyone who was aware that their insurance was not valid;
  • Anyone driving an automobile without a valid driver’s license.

Keep in mind that in some cases, accident benefits can be denied, even if you do not meet any of the above situations that would otherwise exclude you from being entitled to Ontario accident benefits. In these cases, you can appeal the decision. However, it is important to have an experienced injury lawyer on your side who can fight for the compensation you deserve.

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, our injury lawyers are experienced in handling claims for Statutory No-Fault Accident Benefits.  We will get you the compensation you deserve. For more information, please contact us today.