FACT SHEET: 2026 ACCIDENT BENEFITS REFORMS

What are Statutory Accident Benefits?

Statutory Accident Benefits (SABs) can provide financial support if you are injured in an auto accident. These benefits can be available regardless of who caused the accident and can cover things like medical treatment, rehabilitation and income if you can’t work because of your injuries.

What’s changing?

Starting July 1, 2026, Ontario drivers will have more choice and control over their coverage. While certain essential benefits will remain mandatory, many others will be optional and can be selected or removed when purchasing or renewing your policy.

If you’re an existing customer, your policy will renew with the same coverage and limits, unless you agree with your insurer in writing to decline the benefits or make changes to them. However, who is covered under your policy for newly optional benefits will change on July 1, 2026, regardless of renewal effective date. Before making changes, check if your personal or work benefits already provide similar coverage.

Customers who are purchasing or renewing a policy on or after July 1, 2026, can choose which optional accident benefits they would like to purchase.

Essential accident benefits coverage remains

Standard medical, rehabilitation and attendant care benefits will continue to be included in all auto insurance policies. These benefits are available regardless of who caused the accident. They cover medical expenses, therapy, and personal care assistance for injuries from an accident including doctor visits, physiotherapy, and help with daily activities like bathing and dressing.

Who is covered?

Although existing policies will renew with the same coverage and limits, who is covered under policies for newly optional accident benefits will change on July 1, 2026, regardless of renewal effective date. 

Optional accident benefits under your auto policy will only cover the following individuals:

· The named insured

· The spouse of the named insured

· Dependants of the named insured and of the named insured’s spouse

· Persons specified in the policy as drivers of the automobile

What steps should I take? 

· Review your current coverage to understand what benefits you have today in your auto insurance policy. 

· Review coverage you may already have through your workplace, private benefits plan, or life and health insurance providers.

· Think about your needs. Consider which coverage is right for you.

· Speak to your insurer, agent, or broker to learn more about your options.

Make informed decisions; choose the benefits that best fit your needs and budget.

Need help? 

Call us at 905-548-9655 

EMAIL alfainsurancebrokers@yahoo.com 

Disclaimer

The descriptions of the statutory accident benefits in this document is a summary of the statutory accident benefits in Ontario Regulation 34/10 (the “SABS”). Do not rely on this summary alone. For full details, refer to the SABS or speak with your insurer, agent, or broker.