Ontario Automobile Policy

Effective Sept 1, 2010 the Ontario Government has made a number of changes to the Ontario Automobile policy.  The over all intent of the changes is to bring stability to the pricing of Automobile Insurance in Ontario.  To accomplish this the government has substantially reduced the benefits available under the Accident Benefit section of the policy. Below is a quick summary of the major changes to the policy.  A more in depth look at the specific changes can be found under the "Detail of Benefit Changes" of this web site.  There has also been some changes to the liability (Tort) section of the Ontario Policy.   A new coverage has been added to allow for the buy down of a deductible that is applicable in the event of a court award. (See Tort section)

New Statutory Automobile Benefits (SABS).

  • Capping medical/rehabilitation and assessment/examination expenses for minor injuries to $3,500.  
  • Replacing the existing Pre-Approved Framework Guideline for Grade I and II Whiplash Associated Disorders with a new Minor Injury Guideline for accidents occurring on or after September 1, 2010.  
  • Providing standard medical and rehabilitation coverage for non-catastrophic claims of $50,000 (reduced from $100,000), with optional coverage of $100,000 or $1,100,000.  
  • Providing standard attendant care coverage for non-catastrophic claims of $36,000 (reduced from $72,000), with optional coverage of $72,000 or $1,072,000.  
  • Providing standard caregiver, housekeeping and home maintenance coverage for catastrophic claims and optional coverage for non-catastrophic claims.  
  • Capping each assessment to $2,000 – this applies for all assessments, whether they are requested by the claimant or insurer.
  • Providing payment for in-home assessments only to claimants who have sustained more than a minor injury.  
  • Eliminating rebuttal examinations and future care reports.  
  • Providing income replacement coverage to $400 per week based on 70% of gross income and optional coverage of up to $1,000.  
  • Providing $2,500 for accounting reports to support income replacement benefits claims.  
  • Merging treatment plans and applications for approval of assessments or examinations into one process.  
  • Providing adjusters with discretion in the use of insurer examinations.  
  • Creating a definition for "incurred expense".  
  • Simplifying and consolidating the rules that govern claims processing.  
  • Eliminating a number of approved forms.