Ontario Accident Benefits

Effective July 1, some of the mandatory Accident Benefits that are included under your policy are becoming optional. As your dedicated broker, we are here to help!


We’re actively preparing for this change and working to determine how it will impact you. As your trusted insurance advisor, we’re here to support you through this change. With some details continuing to be finalized, this webpage will be updated as more information becomes available. 


There is currently no action required by customers, including those with upcoming renewals. Your policy will automatically renew with existing coverage.


For more information on your existing coverage, please view your policy documents through the Orbit Client Portal. If you don’t have access to the Client Portal, please consult the policy documents provided by your broker.


Learn more about the coming changes with the resources below:


Ontario Accident Benefits Infographic

Ontario Accident Benefits Infographic page 2



Changes to the claims billing process

Your carrier will become the first payer for auto claims instead of your employer or private health care plans, where applicable.


What's becoming optional?

Helps cover caregiving expenses if you or another covered person is injured in an auto accident and can no longer provide care for a household member, such as a child or aging parent, who needs it.

Helps cover the cost to repair or replace personal items (e.g., clothing, prescription eyewear, hearing aids, etc.) damaged in an auto accident.

Compensates some family members if you or another covered person die due to an auto accident.

Helps cover reasonable and necessary expenses of visitors, such as a sibling or parents, if you or another covered person is injured in an auto accident.

Helps cover some funeral costs if you or another covered person die due to an auto accident.

Helps cover costs if you or another covered person is unable to perform the housekeeping and home maintenance tasks normally done before an auto accident.

Helps replace income you or another covered person may lose because of an auto accident.

If an auto accident keeps you or another covered person from attending school or an education program, this benefit can help cover the costs you have lost.

If you or another covered person is a student or unemployed and an auto accident keeps you from leading a normal life, this benefit can provide financial support while you recover.

Last updated: April 6, 2026