Ontario Drivers: Do You Know about These Recent Reductions to Your Auto Insurance Coverage?

By Roger Foisy on November 1st, 2016

2016 car insurance reductions in ontarioDid you know your auto insurance benefits were reduced on June 1, 2016?

I have found many of my motor vehicle accident (MVA) personal injury clients are not aware of the recent changes to automobile insurance; I am writing this article because it is very important for every Ontario driver to know about them, as optional benefits are available that will ensure you are covered in the case of a collision.

Unfortunately, coverage for those injured in car crashes has been eroding in Ontario since 1990. Auto insurance companies’ profits are increasing while coverage diminishes for victims. Just last year, Bill 15 passed, which slashed rights and benefits for auto accident victims.

Now, benefits have been further reduced.

Auto Insurance Reductions as of June 1, 2016

Non-Catastrophic Injuries:

  • Previous: $50,000 for medical and rehabilitation benefits; $36,000 for attendant care benefits.
  • Now: $65,000 for both medical/rehabilitation benefits and attendant care benefits combined.
  • Outcome: Victims will have to choose between rehabilitation and personal care assistance, as there is not enough to cover the typical recovery expenses of both.

Catastrophic Injuries:

  • Previous: $1 million for medical and rehabilitation benefits; $1 million for attendant care benefits.
  • Now: $1 million for both medical/rehabilitation benefits and attendant care benefits combined.
  • Outcome: Severely injured victims have had their coverage cut in half and will not have enough funds to cover the high level of care they will require.

Understand Your Auto Insurance Coverage

Whenever your policy renews after June 1, 2016, these changes will be in effect.

As a personal injury lawyer, I can tell you that these reduced benefits are likely not sufficient to cover the costs you will have if you are seriously injured in a motor vehicle accident. You may want to consider purchasing extra, optional benefits to bring your coverage back up to the previous levels.

For more reading, I encourage you to check out the following resources:


Roger R. Foisy is an Ontario Personal Injury Lawyer with extensive experience in motor vehicle accident cases. If you or a loved one have been injured in a motor vehicle accident, please contact us for immediate support and a free consultation.

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