Ontario Auto Reform

Starting July 1, 2026, Ontario’s auto insurance reforms make most accident benefits optional. Leaving only medical, rehabilitation, and attendant care mandatory.

As your Navacord broker, we’ll guide you in evaluating your personal risk profile and help you choose the level of protection that best suits your needs.

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What you need to know!

Effective July 1, 2026, the Statutory Accident Benefits Schedule (SABS) will shift from a standard package to a modular, “à la carte” system.

Mandatory Benefits

Medical, rehabilitation, and attendant care remain automatically included in all policies. Your auto insurer will become the first payer for medical and rehabilitation expenses.

Statutory Accident Benefits (SABS)

Provide financial support if you are injured in a car accident. These benefits are available regardless of who caused the accident and can cover things like medical treatment, rehabilitation and income if you can’t work because of your injuries.

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Accident Benefits FAQ

OPCF 47R Explained Optional accident benefits coverage & priority of payment.

It describes the optional accident benefits that you have either purchased or declined.

Mandatory vs Optional Coverage

Understanding Ontario Auto – Accident Benefits Coverage

Although existing auto insurance policies will renew with the same coverage and limits, who is covered under policies for newly optional accident benefits will change on July 1, 2026, regardless of an auto insurance policy’s renewal date.

As a result, optional accident benefits under your auto policy will only cover the following individuals:

The named insured

The spouse of the named insured

Dependents of the named insured and of the named insured’s spouse

Persons specified in the policy as drivers of the automobile