Toronto, Ontario – Automobile insurance coverage in Ontario will change on September 1, 2010, with some reduced benefits and extra-charge options.
Prior to September 1, 2010, those injured in car crashes could be entitled to up to $100 per week for housekeeping and home maintenance benefits, in some cases for as much as two years. Under the new program, basic automobile insurance will not allow this claim. The current program also allows up to $250 per week if the insured incurred expenses as a result of being unable to continue as the main caregiver of a child in the household before the collision; these caregiver benefits will be discontinued.
Under the current program, those injured in car crashes could be eligible to receive medial and rehabilitation benefits of up to $100,000, including chiropractic, massage, and physiotherapy. This is now reduced to $50,000 under the basic insurance program, while attendant care benefits, paid if the injured required someone to help with personal assistance, will be reduced from $72,000 to $36,000.
The Ontario government will also introduce a “minor injury” cap, which may include a sprain, strain or whiplash-associated disorder. If the injury is categorized as minor, treatment will be capped at $3,500, including chiropractic, massage, or physiotherapy.
Auto insurers in Ontario will provide options to pay extra for significantly higher benefits, and drivers are urged to contact their insurance companies or insurance brokers for more information.