Mandatory medical/rehab/attendant care remains
These benefits remain part of Ontario policies under the 2026 reform.
Optional benefits require the policy selection
Income replacement and other newly optional benefits are available only if the applicable coverage was purchased.
Optional coverage applies to specified people
Named insured, spouse, dependants and listed drivers are the covered group for newly optional benefits.
The policy at the accident date controls
FSRA says ongoing claims are not changed by the reform; coverage at the time of the accident applies.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.