Ontario auto-insurance guide

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.

Accident benefitsMandatory

Updated for Ontario rules in force August 11, 2026 · Megan R. Fairview

Standard non-catastrophic amount

FSRA currently summarizes the standard medical, rehabilitation and attendant-care limit for non-catastrophic impairments as $65,000.

Standard catastrophic amount

FSRA currently summarizes the standard limit for catastrophic impairment as $1,000,000.

Higher limits can be available

Insurers may offer supplementary limits, and options vary by insurer.

Benefits remain subject to definitions and eligibility rules

The numbers are not a blanket cash entitlement; the SABS and policy terms determine eligibility and payable expenses.

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.