2010 Ontario Auto Regulations Accident Benefits Summary
New Choices for Consumers
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STANDARD ACCIDENT |
STANDARD ACCIDENT |
BUY-BACK OPTIONS |
ENHANCEMENT |
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BENEFITS |
BENEFITS |
|
OPTIONS |
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(BEFORE SEPTEMBER |
(EFFECTIVE SEPTEMBER |
|
|
| |
2010) |
2010) |
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|
| |
|
|
|
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| Income |
80% Net Earning up to |
70% Gross Earning up to |
|
70% Gross Earning up |
| Replacement |
$400 per week |
$400 per week |
|
to $600 / $800 / |
| |
|
|
|
$1,000 |
| Caregiver |
$250/week first |
$0 (Catastrophic |
$250/week first |
|
| |
dependant + 50/week |
Impairment only) |
dependant + |
|
| |
additional |
|
$50/week |
|
| Housekeeping |
Up to $100/week |
$0 (Catastrophic |
additional |
|
| and Home |
|
Impairment only) |
|
|
| Maintenance |
|
|
|
|
| Dependant |
$0 |
$0 |
$0 |
$75/week first |
| Care |
|
|
|
dependant + |
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|
|
|
$25/week additional |
| Medical & |
Non-Catastrophic |
Minor Injury $3,500 |
Minor Injury $3,500 |
Minor Injury $3,500 |
| Rehabilitation |
$100,000 |
Non-Catastrophic $50,000 |
Non-Catastrophic |
Non-Catastrophic |
| Benefit |
Catastrophic |
Catastrophic $1,000,000 |
$100,000 |
$1,100,000 |
| |
$1,000,000 |
|
Catastrophic |
Catastrophic |
| |
|
|
$1,000,000 |
$2,000,000 |
| Attendant |
Non-Catastrophic |
Minor Injury $0 |
Minor Injury $0 |
Minor Injury $0 |
| Care |
$72,000 ($3,000 per |
Non-Catastrophic $36,000 |
Non-Catastrophic |
Non-Catastrophic |
| |
month) |
($3,000 per month) |
$72,000 |
$1,072,000 |
| |
Catastrophic |
Catastrophic $1,000,000 |
($3,000/month) |
Catastrophic |
| |
$1,000,000 |
|
Catastrophic |
$2,000,000 |
| |
|
|
$1,000,000 |
|
| Death/Funeral |
$25,000 Spouse |
$25,000 Spouse |
N/A |
$50,000 Spouse |
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$10,000 Dependants |
$10,000 Dependants |
|
$20,000 Dependants |
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$6,000 Funeral |
$6,000 Funeral |
|
$8,000 Funeral |
| Indexation |
None |
None |
None |
Optional |
TRANSITION FOR POLICIES IN FORCE ON SEPTEMBER 1 2010:
• All Buy-Back Options are “read in/unchanged” until expiry of the current policy term
•Options previously purchased will continue for remainder of policy term
Catastrophic Impairment is defined as:
•Paraplegia or Quadriplegia
•The total and permanent loss (or loss of use) of an arm or a leg
•Total loss of vision in both eyes
•A score of 9 or less on a Glasgow Coma Scale within a reasonable period of time
•A Score of 2 or 3 on a Glasgow Outcome Scale more than six months after the accident
•Impairment of 55% or more of the whole person
Click here to determine what levels of coverage may apply to you.
