Ontario Auto Reform - July 1, 2026
What you need to know!

Key Changes to Accident Benefits

• Effective July 1, 2026, the Statutory Accident Benefits Schedule (SABS) will shift from a standard package to a modular, “à la carte” system.

• Mandatory benefits: Medical, rehabilitation, and attendant care remain automatically included in all policies. Your auto insurer will become the first payer for medical and rehabilitation expenses.

• Statutory Accident Benefits (SABS) provide financial support if you are injured in a car accident. These benefits are available regardless of who caused the accident and can cover things like medical treatment, rehabilitation and income if you can’t work because of your injuries.

Accident Benefits FAQ

• Auto Reform FAQ Resource

• Auto Reform Self Assessment

Mandatory vs Optional Coverage

• Understanding Ontario Auto - Accident Benefits Coverage

• Although existing auto insurance policies will renew with the same coverage and limits, who is covered under policies for newly optional accident benefits will change on July 1, 2026, regardless of an auto insurance policy’s renewal renewal date.
  As a result, optional accident benefits under your auto policy will only cover the following individuals:
  • The named insured
  • The spouse of the named insured
  • Dependents of the named insured and of the named insured’s spouse
  • Persons specified in the policy as drivers of the automobile

Existing Personal Lines Auto Insured Client?

• Your current coverage will automatically continue unless you let your broker know you would like to make specific changes to your auto insurance policy. You will need to review and decide whether you would like to keep, add, or remove coverage.

Existing Commerical Business  Auto Insured Client?

• Speak to your Commercial Business Broker Team to learn more about how this change impacts you AND your employees.

Newly insured auto client?

Starting July 1, 2026, new customers may choose which optional accident benefits they would like to purchase. Ask us which benefits are included in your quote. You may want to add optional benefits to your policy based on your needs.