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Understanding Auto Insurance

Choosing the right accident benefits could alter your destiny.

65,000 people are injured each year in car accidents in Ontario.

24 % result in serious, life-changing injuries

1% of these are catastrophic

The basic mandatory package now provided by insurers does not provide enough coverage for serious and catastrophic injuries.  Buying up affordable optional benefits, is a wise investment to protect you and your loved ones.

Medical and Rehabilitation insurance benefits cover medically necessary goods and services that aren’t publically funded such as physiotherapy, speech therapy, psychology, medications, accessibility renovations, nursing, wheelchairs, artificial limbs, etc. Attendant Care benefits cover the services of personal support workers to assist with bathing, dressing, toileting, etc.

All benefit claims are subject to your insurer’s determination of what is reasonable and necessary. Some insurers practice “deny and delay” tactics in managing claims. Choose an insurer with a good reputation for client-centred claims management.

 

BENEFIT Pre-June 1, 2016 June 1, 2016 YOU CAN CHOOSE TO: ASK YOURSELF:
Medical and
Rehabilitation
(non-catastrophic
injuries)
$50,000 These benefits have been combined and reduced to $65,000 total Increase the benefit to $130,000 total Is there someone to look after you/your injured family member (including
children) or will you need to hire help?Can you risk running out of med/rehab benefits if you exhaust the
$65000 (likely within 1 year) before you’re back to maximum function?
Attendant
Care
(non-catastrophic injuries)
$36,000
Medical,
Rehabilitation and Attendant Care
(all injuries)
Not
applicable
Not
applicable
Increase the
combined non-catastrophic benefit to $1,000,000 and the combined catastrophic
benefit total to $2,000,000
How long might you/your family require med/rehab and attendant care
if seriously injured?Is there a young person or someone with compromised health covered by
your policy?Can you afford to pay for med/rehab or attendant care privately once
benefits are exhausted?
Medical
and Rehabilitation
(catastrophic
injuries)
$1,000,000 These benefits have been combined and reduced to $1,000,000 total An additional $1,000,000 for a total of $2,000,000 for catastrophic
injuries
Can you afford to pay for med/rehab and attendant care after
$1,000,000 has been exhausted?
Attendant
Care
(catastrophic injuries)
$1,000,000
BENEFIT CURRENT POLICY NEW POLICY CLIENTS CAN CHOOSE TO: ASK THEM:
Caregiver

Reimbursement
to hire someone to care for your dependants

Up to $250/week for 1st dependant; $50/week for additional dependant. Catastrophic
injuries only.
No change Extend benefit to cover Minor & Serious Injuries Is there someone to look after your dependants if you or your spouse
is injured? If one of you is injured and the other continues working will you
need to hire help?
Housekeeping
& Home Maintenance
Reimbursement
to hire someone to carry out household responsibilities
Up to $100/week.

Catastrophic injuries only.

No change Extend benefit to cover Minor & Serious Injuries If you or your spouse is injured is there someone to carry out
household responsibilities (eg. snow shovelling, grass
cutting, housecleaning, etc.) or will you need to hire help?
Income
Replacement
Weekly
income of $400; begins one week after accident occurs
70% of gross up to $400/week No change Increase to $600, $800 or $1000 per week. If the injured person’s income currently exceeds $ 400/week, can you
make do with this?
Dependant
Care
Reimbursement
for additional expenses if your employed and injured
Not provided No change Purchase up to $75/week for 1st dependant, $25/week for
additional dependants. Max of $150/week.
How much care might the injured person’s dependants need? How old are
they? How dependant on care?