What Can You Claim? The 2026 Accident Benefits Checker
On July 1, 2026 three accident benefits most drivers assumed were automatic stopped being a standard part of every Ontario policy. Which rules cover you depends on the date of the collision, and what you can claim may depend on a purchase decision made before it. Two questions sort out where you stand.
Where you stand, in two questions
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Ontario changed its auto accident benefits on July 1, 2026.
Financial Services Regulatory Authority of Ontario, changes to Statutory Accident Benefits coverage effective July 1, 2026
This is an information tool, not advice and not a coverage determination. It restates which Ontario accident benefits are mandatory and which became optional on July 1, 2026. It has not read the policy that covers you, and only the policy and its endorsements determine what was actually purchased. Whether a specific benefit is available to you is a question about your documents and your facts. Have a lawyer read them rather than relying on this page.
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Call (416) 678-8765The reformed rules apply to your claim
On every policy, regardless of what was purchased
- Medical and rehabilitation benefits
- Attendant care
Only if purchased before the collision
- Income replacement
- Non-earner benefit
- Caregiver benefit
The mandatory benefits are on every policy. The optional three exist for you only if they were purchased before the collision. The declaration page answers it in one read.
The pre-reform rules apply to your claim
On every policy, regardless of what was purchased
- Medical and rehabilitation benefits
- Attendant care
- Income replacement
- Non-earner benefit
- Caregiver benefit
A rule change does not reach backwards. If the collision predates July 1, 2026, the standard bundle existed on every policy and the reform does not take it away.
The declaration page answers this in one read
If you have it, send it with the form and a lawyer will tell you what was actually purchased, free. If you do not have it, we know how to get it.
Have a lawyer read my coverageDeadlines that apply to you
These are the dates that end claims. Check them first.
Tell your own auto insurer about the collision as soon as you reasonably can, and no later than seven days.
Statutory Accident Benefits Schedule, O. Reg. 34/10, s. 32(1)
Once the insurer sends you the application package, the completed application for accident benefits (the OCF-1) is due back within 30 days.
Statutory Accident Benefits Schedule, O. Reg. 34/10, s. 32(5)
In most Ontario claims you have two years from the day you knew, or ought to have known, that you had a claim.
Limitations Act, 2002, S.O. 2002, c. 24, Sched. B, s. 4
Questions we get every week
Income replacement, non-earner and caregiver benefits stopped being a standard part of every Ontario auto policy and became optional purchases. Medical, rehabilitation and attendant care benefits remain mandatory on every policy.
The declaration page of the policy lists every coverage and endorsement on it. The broker or insurer can send it, usually the same day, and we can request it as part of a free consultation.
No. A rule change does not reach backwards. Claims from collisions before July 1, 2026 run under the rules that existed when the collision happened.
Usually your own, regardless of fault. People without a policy of their own may claim through a spouse or dependent relative’s policy, the vehicle’s insurer, or in some situations a fund of last resort. Which route applies is one of the first things a lawyer sorts out.
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Read moreYour fight becomes ours the day you call us.
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