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As of July 1, 2026, Ontario’s auto insurance reform is in effect, introducing changes to the Statutory Accident Benefits Schedule (SABS). Whether for your individual needs or your business, these updates may impact your coverage. At BrokerLink, we’re here to help you navigate these changes and understand why they matter. Keep reading to learn more.
Last updated: July 1st, 2026.
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More choice: Many accident benefits that were mandatory and automatically included will now be optional.
Your auto insurer pays first: In the event of an automobile accident, medical and rehabilitation costs (excluding medication) will go through your auto insurer before workplace or other private health plans.
Who is covered: Optional accident benefits will only cover the named insured, the spouse of the named insured, the dependants of the named insured and any listed drivers. This change takes effect July 1, 2026, for all auto insurance policies in Ontario.
Starting July 1, 2026, there will be several changes to Ontario’s Statutory Accident Benefits Schedule (SABS). The SABS sets out a number of accidents benefits (insurance coverage) that are available under all Ontario auto insurance policies. These changes are the result of new province-wide reforms introduced by the Ontario Government. Some accident benefits that were previously mandatory and included with every auto insurance policy will now be optional.
Insurance policies will renew with the same SABS coverage, but customers may choose to make changes to this coverage. The changes introduced by the Government of Ontario will give you more flexibility, but it is especially important to review which coverage is right for you and/or your business.
A car accident can impact much more than your vehicle. Lost income, caregiving needs and recovery costs can add up quickly and place unexpected financial pressure on you. With certain SABS becoming optional, it’s more important than ever to understand what your current coverage includes and how the optional benefits you choose could affect it.
Ontario Auto Insurance Reform is a province-wide change to auto insurance. Starting July 1, 2026, many Statutory Accident Benefits that were mandatory with every policy will become optional. Only medical, rehabilitation and attendant care benefits will continue to be mandatory.
Statutory Accident Benefits (more commonly referred to as accident benefits) provide financial support if you are injured in an automobile accident. They apply no matter who caused the accident and can cover medical treatment, rehabilitation and income if you cannot work because of your injuries.
Starting July 1, 2026, Ontario’s auto insurance system is undergoing changes that will affect accident benefits as well as who is eligible to receive optional accident benefit coverage. Here are some of the key changes:
Mandatory benefits (always included): Medical, rehabilitation and attendant care.
Note: Customers still have the option to purchase additional or increased benefits and coverages, such as supplementary medical, rehabilitation and attendant care.
Optional benefits (you choose): income replacement, caregiver, non-earner, housekeeping and home maintenance, lost educational expenses, expenses of visitors, damage to personal items, death, and funeral benefits.
Note: Indexation and dependant care benefits were optional prior to July 1, 2026, and will continue to be offered as optional benefits.
While these changes increase flexibility, they also make it essential to reassess your coverage needs.
Optional accident benefits under your auto policy will only apply to:
The named insured – the individual or business entity whose name is listed on the auto policy
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 insured automobile
Note: If the named insured updates their optional accident benefit coverages, those changes will apply to all covered persons on the policy. Before proceeding, it is recommended that the insured review these coverages and understand how any updates may affect all individuals listed on the policy.
Individuals such as pedestrians, cyclists and certain passengers who may have been covered in the past will no longer be eligible for optional accident benefits unless they have their own auto insurance policy under which they have purchased optional benefits.
Effective July 1, your auto insurer will pay for medical and rehabilitation expenses first (excluding medication), before workplace or private health benefits. This reduces delays and paperwork so you can access care faster.
Mandatory: Coverage that is required by law and automatically included in every auto insurance policy.
Optional: Coverage you can choose to add for extra protection based on your personal or business needs and circumstances.
Here’s a quick look at which benefits stay as mandatory and which become optional:
Medical, rehabilitation and attendant care benefits
Income replacement
Non-earner benefits
Caregiver benefits
Housekeeping and home maintenance
Lost educational expenses
Expenses of visitors
Damage to personal items
Death benefits
Funeral benefits
Dependant Care
Indexation
These benefits will continue to be included in all auto insurance policies. These benefits are available regardless of who caused the accident. They can cover medical expenses, therapy and personal care assistance for injuries from an accident including rehabilitation expenses such as physiotherapy and help with daily activities like bathing and dressing.
This benefit may compensate you and other covered persons for lost income.
This benefit may provide compensation if you and other covered persons are completely unable to carry on a normal life.
This benefit may provide compensation for some expenses incurred if a covered person has been injured and cannot continue as the main caregiver for a member of the household who is in need of care.
Note: Customers may select between coverage in the case of “an impairment” or “catastrophic impairment.” Speak with your broker to determine which options are best for you.
This benefit may provide compensation if you and other covered persons suffer a substantial inability to perform the housekeeping and home maintenance services that you or they normally performed before the accident.
This benefit may provide compensation if you and other covered persons are unable to continue a program of elementary, secondary, postsecondary or continuing education as a result of an accident.
This benefit may provide compensation for reasonable and necessary expenses incurred by certain visitors if you and other covered persons sustain an impairment as a result of an accident.
This benefit may provide compensation if you and other covered persons sustain damage to clothing, prescription eyewear, dentures, hearing aids, prostheses and other medical or dental devices that were lost or damaged as a result of the accident.
This benefit may pay money to some members of the family if you or other covered persons has been killed.
This benefit may pay for some funeral expenses.
This benefit may cover reasonable and necessary expenses incurred in caring for dependants.
This benefit provides that certain weekly benefit payments and monetary limits will be adjusted on an annual basis to reflect changes in the cost of living.
Effective July 1, 2026, the new accident benefits are now in place. Here’s how to review your options:
Get a free quote and speak with one of our knowledgeable brokers to explore coverage options based on your needs and lifestyle.
Upon renewal, your policy will continue with the same accident benefits coverages and limits that you have today, unless you choose to make changes starting July 1, 2026.
Here are a few steps to help review your options:
Take a few minutes to understand the changes and the options available to you.
Check your policy documents, including any optional coverages you have today. Understanding your current coverage can help you compare your options.
You may have coverage outside of your auto policy that could apply in certain situations, such as workplace benefits, student insurance plans or other personal insurance policies. For details about these plans, please contact your plan sponsor or insurance provider directly. Reviewing these alternative coverage options can help you understand where you may already have protection and where there may be gaps.
When reviewing your options, think about your lifestyle and the level of protection that best suit your needs.
A broker can help explain your options, so you can make an informed decision. Contact us or visit a branch if you’d like support.
Statutory Accident Benefits Legislation
OAP1-N3
The descriptions of statutory accident benefits contained in these documents provide only a summary of the benefits set out in Ontario Regulation 34/10 (the “SABS”). Do not rely solely on this summary; for complete details, refer directly to the SABS and discuss with your broker.
