Other Benefits
Accident Benefits ensure you have support if you’re injured in a motor vehicle accident. They can help with a broad range of things from essential medical care and income replacement to covering other accident-related costs, such as damage to personal items, lost educational expenses and visitor expenses.
Get to Know Your Coverage
Everyone’s situation is different. When you understand what each benefit provides and how it supports you, you can choose the coverage that truly fits your needs. Here are some examples of additional expenses that can be covered under the Accident Benefits part of your auto policy:
Damage to Personal Items Benefit helps to cover the reasonable costs for repairing or replacing personal items damaged in a motor vehicle accident.
Who is eligible: Individuals involved in a motor vehicle accident.
Benefit: Reimburses costs to repair or replace essential personal items damaged in an accident, such as prescription eyewear, clothing, hearing aids, prosthetics, dentures and other medical or dental devices.
Lost Educational Expenses Benefit helps to cover costs you’ve lost if you cannot attend school or an education program due to accident-related injuries.
Who is eligible: Students enrolled in an elementary, secondary, post-secondary or continuing education program at the time of the accident.
Benefit: Up to $15,000 for expenses such as tuition fees, books and course materials.
Visitor Expenses Benefit reimburses “reasonable and necessary” costs incurred by family members and dependants who travel to visit an injured person during their treatment and recovery. Eligible expenses can include mileage, meals, parking, airfare and hotel accommodations.
Who is eligible: Family members, dependants, guardians and people who were living with the injured person at the time of the accident.
Benefit: For non-catastrophic injuries, claims can be made up to 104 weeks (two years) after the accident. There is no limit for catastrophic impairments.
If you want your Accident Benefits to keep pace with inflation, you can choose to add the Indexation Benefit. This ensures your coverage maintains its value as the cost of living rises.
Understanding the Right Coverage for You
Accident Benefits are there to support you and your family after an accident. The best time to learn about these coverages is before you ever need to use them. Here’s a real-world example of how Accident Benefits helped one Canadian family:
Following a motor vehicle accident, an individual spent several months in a Toronto hospital. Their family lived out of town, so they used the Visitor Expense Benefit to cover their travel, hotel stays and meals — allowing them to be by the injured individual's side without financial strain.
After discharge, the individual could not return home and had to move into a long-term care facility. The Attendant Care Benefit helped cover those monthly costs. Ongoing treatment, no longer covered by OHIP, was funded through Medical and Rehabilitation Benefits, ensuring access to the necessary care.
This real-life example shows just how valuable Accident Benefits can be. Without this coverage, the financial impact on the policyholder and their family would have been devastating. These benefits give Ontarians the support they need when it matters most.
Accident Benefits Technical Consultant
From the Blog: Learn More About Other Benefits
Read more to get practical tips, examples and guidance on your coverage.
Still have questions? These FAQs cover the basics.
Didn’t find what you were looking for?
See more FAQ's