Significant changes to auto insurance in Ontario are set to take effect on July 1, 2026, through reforms to the Statutory Accident Benefits Schedule (SABS). Under the new rules, several benefits that were previously mandatory, including income replacement and caregiver benefits, will become optional. The scope of coverage for these benefits will also be narrowed, with eligibility limited to the named insured, their spouse, and their dependants.
The decisions made when purchasing or renewing an auto insurance policy can have lasting consequences for your future quality of life. This is because the impacts of an injury can extend far beyond medical treatment. An injured person may be unable to work, care for family members, continue their education, or manage everyday responsibilities. Many of the benefits that are becoming optional are designed to provide support in precisely these circumstances. To avoid surprises when coverage is needed most, it is important to review your current
