Auto Reform Self Assessment Checklist

Starting July 1, 2026, in Ontario you will have the option to make some accident benefits in your auto insurance policy optional — when you buy a policy or at renewal. Use this checklist to consider which optional benefits may be right for you or others covered under your policy.

How to use it: tick the box for each statement that is “yes” for you or someone on your policy. If you check one or more boxes, that benefit may be worth considering — and you’ll have the option to ask your broker to reach out.

Income replacement benefit

Do you rely on your employment income to support yourself or others?

If you were injured, would you NOT have access to disability benefits through your employer benefits or private disability insurance?

What it covers: Helps replace income you or another covered person may lose because of an auto accident.

Non-earner benefit

Are you a student, unemployed, retired or otherwise ineligible for income replacement benefits or caregiver benefits?

Would an injury affect your ability to live independently or pursue education?

What it covers: If you or another covered person is a student or unemployed, and an auto accident keeps you or them from leading a normal life, this benefit can provide financial support during recovery.

Caregiver benefit

Are you the primary caregiver for children, aged parents or disabled family members?

Are you ineligible for income replacement benefits or non-earner benefits?

Are you a single parent?

What it covers: Helps cover caregiving expenses if you or another covered person is injured in an auto accident and can no longer provide care for a household member who needs care, such as a child or aged parent.

Lost educational expenses

Are you a full- or part-time student?

What it covers: If an auto accident keeps you or another covered person from attending school or an education program, this benefit can help cover the costs you have incurred, such as tuition and books.

Expenses of visitors benefit

Do your family members live far away?

Would your family need to visit you if you were seriously injured?

What it covers: Helps cover reasonable and necessary expenses of visitors, such as a sibling or parents, if you, or another covered person, are injured in an auto accident.

Housekeeping and home maintenance benefit

Would you need to hire someone to take over housekeeping or home maintenance duties if you were injured?

What it covers: Helps cover costs if you, or another covered person, are unable to perform the housekeeping and home maintenance tasks that you or the other person had normally done before an auto accident.

Damage to personal items benefit

Do you regularly carry valuable items such as glasses, hearing aids or mobility devices in your vehicle?

Would replacing these items be costly if damaged in an accident?

What it covers: Helps cover the cost to repair or replace personal items (e.g., clothing, prescription eyewear, hearing aids) damaged in an auto accident.

Death benefit

Would your family need financial support to cover ongoing expenses if you passed away in an auto accident?

What it covers: Compensates some family members if you or another covered person dies due to an auto accident.

Funeral benefit

Would your family struggle to cover funeral or burial expenses if you were involved in a fatal car accident?

What it covers: Helps cover some funeral costs if you or another covered person dies due to an auto accident.

Supplementary medical, rehabilitation and attendant care benefits

Do you think the standard coverage for medical, rehabilitation or attendant care may not be enough to meet your needs?

Do you have underlying health conditions or limited access to care through other plans?

What it covers: Helps cover medical expenses beyond the standard limits.

Dependant care benefit

Do you have children or dependants who rely on you for daily care?

Would an injury prevent you from caring for your dependants?

Would you be ineligible for or unable to receive the caregiver benefit?

What it covers: Helps cover reasonable and necessary additional expenses associated with caring for dependants, such as a child, spouse or aged parent.

Indexation benefit

Are you concerned about inflation reducing the value of your benefits over time?

What it covers: Helps to ensure that certain weekly payments and monetary limits are adjusted annually to reflect inflation.

We've noticed you checked off one or more options. If you'd like to speak to your broker, please leave us your name, email and number below and we'll get your broker to reach out to you.

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This checklist is provided for information only and is not intended to be legal or financial advice. The descriptions of the statutory accident benefits in this document are a summary of those detailed in Ontario Regulation 34/10: Statutory Accident Benefits Schedule (SABS). Do not rely on this summary alone. Some of these benefits cannot be received at the same time. For full details, refer to the SABS or speak with your insurance representative.

Source: Insurance Bureau of Canada (IBC)

Auto Reform Self Assessment Checklist

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