If you’ve been injured in a motor vehicle accident, one of the first questions you may have is:
What financial and medical support am I entitled to?
In Ontario, your auto insurance policy includes Accident Benefits (also known as SABS), which are available regardless of who was at fault for the accident.
These benefits are designed to help you manage the immediate and ongoing impact of your injuries—physically, emotionally, and financially.
Accident Benefits are part of Ontario’s no-fault insurance system, meaning you access them through your own insurer, even if the accident was not your fault.
They can help cover things like:
The specific benefits available to you depend on the severity of your injuries and the coverage in your policy, but for most standard policies (non-catastrophic injuries), the following apply:
Starting July 1, 2026, Ontario is introducing updates to the accident benefits system that may affect the coverage available to you – particularly around optional benefits and how policies are structured. Specifically, medical, rehabilitation and attendant care benefits will remain mandatory, while all other accident benefits coverage will become optional.
These changes are aimed at giving drivers more flexibility in choosing their level of coverage, but they can also impact how much support is available after an accident.
We’ve explained these updates in more detail article here.
If you’ve been in an accident recently, it’s important to review your specific policy, as coverage can vary more than it has in the past.
Yes.
Accident Benefits are available regardless of fault. Even if you caused the accident, you can still access these supports through your own insurance policy.
This is one of the most important features of Ontario’s system—and one many people are not aware of.
Recovering from an accident can be overwhelming. These benefits are there to ensure you don’t have to manage:
Even modest weekly benefits can make a meaningful difference during this time.
If you’ve been injured in a motor vehicle accident in Ontario, you are likely entitled to Accident Benefits – regardless of fault.
For most standard policies, the basic coverage includes:
However, the exact amount and type of benefits available depends on your policy and your injuries, especially with recent changes to the system.
Navigating Accident Benefits – and dealing with insurers – can be confusing, especially when you’re trying to focus on recovery.
We can help you understand what you’re entitled to, ensure deadlines are met, and advocate for the benefits you need.
Contact us if you or a loved one needs support now.
