Ontario Auto Insurance Changes 2026

Changes to Ontario Auto Insurance Statutory Accident Benefits Schedule (SABS) 2026

Changes effective July 1, 2026
Starting July 1, 2026, Ontario is making auto insurance more flexible. Some no-fault statutory
accident benefits that were previously included in every Ontario auto insurance policy will
become optional. This gives you more choice over your coverage, but it also means you will
need to review your policy carefully to ensure you have the benefits that meet your needs.

Medical, Rehabilitation and Attendant Care benefits remain Mandatory
Standard medical, rehabilitation and attendant care benefits will continue to be included in all
Ontario auto insurance policies. These benefits are “no-fault” which means they are available to
you regardless of who caused the accident. These benefits cover medical expenses, therapy
and personal care assistance for injuries from an accident including rehabilitation therapy, and
help with daily activities like bathing, dressing and feeding.

All other accident benefits will become optional
The following auto insurance accident benefits will become optional as of July 1, 2026:

• Income Replacement: Helps replace income if you or a covered person are unable to
  work because of injuries sustained in an auto accident.
• Non-Earner: If you or a 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.
• Caregiver: Helps cover care giving expenses if you or a covered person is injured in an
  auto accident and can no longer provide care for a household member who needs it,
  such as a child or aging parent.
• Lost Educational Expenses: If an auto accident keeps you or a covered person from
  attending school or an education program, this benefit can help cover the costs you have
  lost.
• Visitor Expenses: Helps cover reasonable and necessary expenses of visitors, such as
  a sibling or parents, if you or a covered person is injured in an auto accident.
• Housekeeping and Home Maintenance (Catastrophic Impairment Only): Helps
  cover costs if you or a covered person is unable to perform the housekeeping and home
  maintenance tasks normally done before an auto accident.
• Damage to Personal Items: Helps cover the cost to repair or replace personal items
  (e.g., clothing, prescription eye wear, hearing aids, etc.) damaged in an auto accident.
• Death: Compensates some family members if you or a covered person die in or as a
  result of injuries sustained in an auto accident.
• Funeral: Helps cover some funeral costs if you or a covered person die in or as a result
  of injuries sustained in an auto accident.

Auto policies renew automatically — please review your optional statutory accident
benefits beforehand
Your auto policy will renew automatically with your current coverage and limits, unless you
agree with your insurer in writing to decline certain benefits that are becoming optional effective
July 1 or make changes to them. If you would like to discuss any changes to your current policy
after July 1, 2026, please reach out to our team here at AIM Insurance. Before reaching out to us
to discuss your options or to make any changes to your auto policy, it is advisable to review your
personal or work benefits to see what’s covered.

Changes to who is covered by your auto insurance policy
Although your current policy will renew with the same coverage and limits, who is covered under
your policy for these nine newly optional accident benefits will change on July 1, 2026,
regardless of the renewal effective date.
Optional Accident Benefits will only apply to:

• The named insured on the auto policy
• The spouse of the named insured on the auto policy
• Dependants of the named insured on the auto policy and of the named insured’s spouse
• Persons specified in the auto policy as drivers of the insured vehicle

Standard coverage will change to “an Impairment” coverage, which includes both
catastrophic and non-catastrophic impairments
When your auto policy renews, it will renew with the current standard Catastrophic Impairment
coverage, or the buy-up of additional coverage over and above the standard, if you have
previously chosen one. From July 1
onwards, the standard coverage will change to ‘an Impairment’ that will include both
catastrophic and non-catastrophic impairment. If you wish to review or change your current
coverage choices upon renewal, please reach out to us at AIM Insurance to discuss your options.

The order of who pays first for some Medical/Rehab expenses will change
As of July 1, 2026, auto insurers will become the first payor for Medical and Rehabilitation
expenses (excluding medication) for injuries from an auto accident, before these expenses are
paid under a supplementary health insurance plan like your work benefits.
If your personal circumstances change — such as you or any member of the household
changes jobs, goes back to school, or cares for children or parents — your existing statutory
accident benefits may no longer suit your life circumstances. We are here to help you
understand your options and make the best choices for your situation. If you have any questions
or want to discuss your benefits, please do not hesitate to contact us at 1-877-AIM-4TMW.

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