Accident Benefits Self-Assessment

Starting July 1, 2026, Ontario is changing auto insurance to give you more flexibility and control over your coverage. Click the button below if you would like to see a description of each coverage with easy-to-understand examples.

Explanations and Examples of Optional Accident Benefit Coverages

This checklist can help you decide which optional benefits may be right for you or others covered under your policy. You may be able to add or remove these benefits based on your needs.

How to use the self-assessment checklist:
• Read each question carefully
• Tick the box if your answer is “yes” for you or others covered under your policy. Leave it blank if your answer is “no”.

The checklist is designed to give you a clear understanding of your needs and will help prepare you for a conversation with your broker at Rozon Insurance Brokers Ltd.

Before you begin:
If you have a private or workplace benefits plan, you may already have coverage for some of the following benefits. Before making changes to the optional benefits on your auto insurance policy, we encourage you to review your existing workplace or private plan or speak with your benefits advisor to confirm that you have appropriate coverage.

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Income Replacement Benefit

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

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?

Non-Earner Benefit

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

Non-Earner Benefit

Are you a student, unemployed, or retired?

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

Caregiver Benefit

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 such as a child or aging parent, who needs it.

Caregiver Benefit

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

Are you a single parent?

Lost Educational Expenses

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 lost.

Lost Educational Expenses

Are you a full- or part-time student?

Expenses of Visitors Benefit

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

Expenses of Visitors Benefit

Would your family members have to travel to be with you if you were seriously injured in a car accident?

Housekeeping and Home Maintenance Benefit

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

Housekeeping and Home Maintenance Benefit

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

Damage to Personal Items Benefit

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

Damage to Personal Items Benefit

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

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

Death Benefit

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

Death Benefit

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

Do you lack life insurance or other coverage for funeral expenses?

Funeral Benefit

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

Funeral Benefit

Would your family struggle to cover funeral or burial expenses?

Supplementary Medical, Rehabilitation and Attendant Care Benefits

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

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 a high-risk lifestyle, underlying health conditions, or limited access to care through other plans?

Dependant Care Benefit

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

Dependant Care Benefit

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

Would an injury prevent you from working and caring for your dependants at the same time?

Indexation Benefit

What it covers: Helps to ensure that certain weekly payments and monetary limits are adjusted annually to reflect changes in the cost of living.

Indexation Benefit

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

Disclaimer: The descriptions of the statutory accident benefits in this document is a summary of the statutory accident benefits in Ontario Regulation 34/10 (the "SABS"). Do not rely on this summary alone. For full details, refer to the SABS or speak with your broker at Rozon Insurance. It is important to note that we are unable to make any changes to your coverage based on the information gathered in this form, you must speak to a representative to modify, delete or add coverage to your policy.

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Accident Benefits Self-Assessment

Income Replacement Benefit

Non-Earner Benefit

Caregiver Benefit

Lost Educational Expenses

Expenses of Visitors Benefit

Housekeeping and Home Maintenance Benefit

Damage to Personal Items Benefit

Death Benefit

Funeral Benefit

Supplementary Medical, Rehabilitation and Attendant Care Benefits

Dependant Care Benefit

Indexation Benefit

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