Ontario Auto Insurance Changes July 2026 Could Leave You Without Protection After A Serious Accident

Ontario’s Statutory Accident Benefits (SABS) are being overhauled. Starting July 1, 2026, benefits that were once automatic: income replacement, caregiver support, death benefits, and more, will become optional add-ons you must actively choose. If you don’t opt in, you won’t have them. The changes affect drivers, passengers, pedestrians, and cyclists across Ontario. Here’s what’s changing, who’s most at risk, and what you should do before the deadline.

At Howie Sacks & Henry LLP, we represent seriously injured accident victims every day. We see what happens when people don’t have the right coverage in place. Here’s what every Ontario driver, and every pedestrian, cyclist, and passenger, needs to know before these changes take effect.