Ontario Auto Insurance: 2026 Changes
The July 1, 2026 accident-benefit reform, first-payer rule, renewal treatment and covered-person changes.
Ontario auto insurance changes effective July 1, 2026
Ontario changed which statutory accident benefits are mandatory, who is covered by newly optional benefits and the order in which accident-related medical and rehabilitation expenses are paid.
Mandatory accident benefits after July 1, 2026
Medical, rehabilitation and attendant-care benefits remain the core mandatory accident-benefit coverage in Ontario after the 2026 reform.
Optional accident benefits after July 1, 2026
Ontario drivers now have to pay closer attention to accident-benefit selections because many benefits that were previously standard became optional.
What happens to an existing Ontario policy after July 1, 2026
The 2026 reform does not mean every existing policy automatically drops all newly optional benefits at the next renewal.
Ontario's 2026 auto-insurance first-payer rule
Ontario now requires auto insurance to pay eligible accident-related medical and rehabilitation expenses before supplementary health insurance is used.
Who is covered by optional accident benefits after July 1, 2026
The 2026 reform changed the people to whom newly optional accident benefits apply under an Ontario auto policy.