Attendant Care Benefit: Pays for an aide or attendant to look after you if you have been seriously injured in an accident.
Caregiver Benefit: If you are providing full-time care to dependants and can no longer provide that care as the result of an auto accident, you may be eligible for caregiver benefits to reimburse you for your expenses to hire someone to care for your dependants.
Catastrophic impairment caused by an accident is,
(a) paraplegia or quadriplegia;
(b) the amputation of an arm or leg or another impairment causing the total and permanent loss of use of an arm or a leg;
(c) the total loss of vision in both eyes;
(d) subject to subsection (4), brain impairment that results in,
(i) a score of 9 or less on the Glasgow Coma Scale, as published in Jennett, B. and Teasdale, G., Management of Head Injuries, Contemporary Neurology Series, Volume 20, F.A. Davis Company, Philadelphia, 1981, according to a test administered within a reasonable period of time after the accident by a person trained for that purpose, or
(ii) a score of 2 (vegetative) or 3 (severe disability) on the Glasgow Outcome Scale, as published in Jennett, B. and Bond, M., Assessment of Outcome After Severe Brain Damage, Lancet i:480, 1975, according to a test administered more than six months after the accident by a person trained for that purpose;
Death and Funeral Benefit:
If you die as a result of an auto accident, the death benefit
provides a lump sum payout to your spouse and your dependant; the
funeral benefit provides a lump sum payout to cover the costs of
your funeral expenses.
Death and Funeral Benefit: If you die as a result of an auto accident, the death benefit provides a lump sum payout to your spouse and your dependant; the funeral benefit provides a lump sum payout to cover the costs of your funeral expenses.
Direct Compensation-Property Damage (DC-PD):
Covers damage to your vehicle or its contents if another person was
at fault for the accident. It is called direct compensation because
even though someone else causes the damage, you collect directly
from your own insurer.
The accident must also occur in
Housekeeping and Home Maintenance Benefit: If you are unable to perform your usual duties due to your injuries, this benefit pays for reasonable and necessary additional expenses for someone to complete your usual duties.
The automatic adjustment of the income replacement benefit,
non-earner benefit, attendant care benefit or medical and
rehabilitation benefit according to the Consumer Price Index for
Medical and Rehabilitation Benefit: Covers the cost of reasonable and necessary medical and rehabilitation expenses (e.g. physiotherapy, prescriptions) that are not covered by OHIP or your disability insurance plan.
Non-earner Benefit: This benefit may provide compensation if you and other insured persons are completely unable to carry on a normal life and do not qualify for an Income Replacement or Caregiver Benefit.
Third Party Liability: If you or someone else are killed or injured, or if their property is damaged, it will pay for legitimate claims against you up to the limit of your coverage, and will pay the costs of settling those claims.