As a result of the recent changes, some of the features under your Ontario Auto Insurance Policy have changed. As of September 1, 2010, whether you are buying a new auto policy or renewing an existing one, some of the insurance coverage previously included in the standard insurance policy have been eliminated or are now optional.
The benefits most affected by the recent changes are the no-fault, Statutory Accident Benefits. Regardless of fault, you are entitled to certain minimum benefits when you are injured in an automobile accident.
Many of the Statutory Accident Benefits have been reduced. For instance, Medical and Rehabilitation benefits have been reduced from $100,000 to $50,000 in non-catastrophic cases, and Attendant Care benefits have been reduced from $72,000 to $36,000 in non-catastrophic cases. Additionally, benefits previously available to all injury victims, such as Housekeeping and Homemaintenance benefits and Caregiver benefits have been elimited for all except the catastrophically injured.
The auto insurance reforms came into effect on September 1, 2010; your policy limits will remain unchanged until your next renewal.
If you were injured in a car accident after September 1, 2010, speak to a dedicated injury lawyer to learn which coverages are available to you.