Overview of Accident Benefits in Ontario – What Am I Eligible For?

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Overview of Accident Benefits in Ontario – What Am I Eligible For?
Car accidents are not only emotionally and physically strenuous, but they can also result in life changing damages that can dramatically affect one’s daily routine. If you have been involved in a motor vehicle accident, you may be eligible for accident benefits under Ontario’s Insurance Act. Two types of accident benefits in Ontario can be claimed through your insurance company: income replacement benefit and non-earner benefit.
  • Income Replacement Benefit: For those who were working or self-employed during the time of the accident and are now unable to work because of your injuries, you can claim this benefit, which will partially compensate you for loss in potential income.
  • Non-Earner Benefit:  For those who do not qualify for income replacement benefit, unemployed or a full-time student at the time of the accident, you may be eligible for this benefit. Also, if you suffered an injury that has made you unable to carry on with day-to-day activities, you can also seek compensation.   
In addition to income-based benefits, the Act also provides insured drivers access to benefits such as:
  • Medical and rehabilitation benefits
  • Death and funeral expenses
  • Other expenses
Other expenses cover a wide range of unexpected costs such as:
  • Lost educational expenses: If you are a student unable to continue your studies due to injury, consider getting compensation for non-refundable tuition costs.
  • Expenses of visitors: Accidents not only cost those involved, but those who support the individual in their daily life. If your family or relatives have traveled to visit you during medical treatments or recoveries, they may be eligible for additional benefits.
  • Damage to clothes or glasses: Prescription glasses or medical devices such as prosthetics are costly to replace even with additional insurance. If your belongings were damaged due to an accident, think about consulting your lawyer for reimbursement.
  • Housekeeping and home maintenance: If your injuries resulted in you being unable to perform household chores, requiring you to seek hired help, this can be potentially covered through your insurance as well.

How Do I Apply for Accident Benefits?

After you have filed your report with the police, you should notify your insurance company as soon as possible or within seven days to ensure your right to Accident Benefits is not compromised. Once you have reported the motor vehicle accident to your insurance company, they will provide an Application for Accident Benefits Package. The application must be completed within 30 days of the accident.
However, it is wise to first consult with a personal injury lawyer to ensure you understand your rights since the process of accessing these benefits can be complex. Avoid submitting documentation or making statements about your injury without consulting your lawyer first.  Pre-mature statements can significantly impact the result of your case.
Accident Benefits are only eligible for motor vehicle collision-type cases. If you are looking to get compensation for other injuries, consult options with your lawyer.
To find out if you are eligible for compensation or for further details on Accident Benefits in Ontario, contact Solokoff Personal Injury Lawyers. Remember its always free to book a consultation and learn more about your options.

What Are Additional Accident Benefits?


Under Ontario’s Insurance Act you have the choice to purchase additional accident benefits, if you were looking for a policy more catered to you needs. The additional benefits might be available to you if you have been injured in a motor vehicle accident. Your lawyer will help you through this process and determine whether you are covered under a standard benefits policy or one with additional benefits.


Applying for Benefits


In order to apply for benefits, you need to tell your insurance company within a week after a motor vehicle accident has occurred. You have to send an application to your insurer within 30 days of receiving the forms.


There are sets of rules that determine which policy you are eligible for, but in some cases you are not eligible to receive certain benefits. This includes:

  • not driving with a valid driver’s license,
  • driving a vehicle without the owner’s consent,
  • being a passenger knowing that the driver did not have the consent of the owner of the vehicle,
  • driving without valid insurance,
  • driving while impaired or refused breath sample,
  • using a vehicle involved in criminal activity, and;
  • misrepresented information when applying for auto insurance
To make sure that you entitled to any additional benefits, a lawyer will be able to look at your case specifically and determine what you are eligible to receive.

Overview of Accident Benefits in Ontario—What Am I Eligible For?

Overview of Accident Benefits in Ontario—What Am I Eligible For?

Accident Benefits Offered in Ontario

Accidents happen suddenly: one moment you’re driving through the same intersection that you’ve traversed hundreds of times, the next you’re tumbling and careening out of control. The unfortunate truth for many, though, is that if you don’t act quickly after an accident, your life can spin out of control too. Make sure you know Ontario’s accident benefit structure, so that you can be prepared for the tumult of post-accident life.

Types of Benefits

Ontario’s Statutory Accident Benefits Schedule (SABS) lays out four broad categories of benefits:

  • Specified Benefits: Benefits that can be applied depending on your employment status, including the income replacement benefit (given for loss of income due to the accident), the non-earner benefit (given to those without consistent income at the time of the accident, e.g. full-time students or unemployed recent graduates), and the caregiver benefit (given to those who are the primary party responsible for looking after others, e.g. a dependent child or elderly person).
  • Death and Funeral Benefits: These benefits are given as a lump-sum payment in the case of a death due to the accident.
  • Medical, Rehabilitation, and Attendant Care Benefits: These include payments for reasonable and necessary expenses outside of any other plans (such as an employment insurance plan or OHIP). These benefits are especially important in the case of rehabilitation and attendant care, which may not be covered by standard insurance.
  • Other Expenses: This category is laid out to include miscellaneous expenses necessary to the recovery process, such as lost educational expenses; visitors’ expenses; damage to glasses, hearing aids, etc.; and housekeeping and home maintenance.

Eligibility for each of these categories requires an intimate knowledge of the Ontario Insurance Act and SABS. Ontario personal injury lawyers are familiar with these accident benefits, and can guarantee that you receive everything that you are entitled to and deserve. If you experience an accident, don’t let your life careen in the same direction; use a law firm versed in Ontario accident benefits.



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