Customize your liability and accident benefits coverage | Financial Services Regulatory Authority of Ontario

You may purchase higher limits for your liability coverage, as well as optional accident benefits coverages. You have choices and flexibility over optional or increased coverages and the price you pay for auto insurance. These options allow you to customize your policy to suit your needs.

Your agent or broker will be able to help you decide what level of coverage is best for you.

Increased third-party liability coverage:

While you are legally required to carry a minimum of $200,000, you may want to increase this coverage. There is a cost to increase your third-party liability coverage to $500,000, $1 million, $2 million, or higher.

Optional accident benefits coverages:

If you have benefits from your employer, another policy and/or a supplementary health insurance plan, you may already have some level of coverage for some or all of the optional benefits listed below. You should consider these benefits as you review your coverage options. Medical, rehabilitation and attendant care benefits are mandatory benefits for policies entered into on or after July 1, 2026. You may choose to increase your coverage. For policies entered into after July 1, 2026, all other accident benefits, like income replacement, caregiver, or housekeeping and home maintenance, are optional. You can choose to add these to your policy depending on your needs.

Coverage for:

Medical, rehabilitation and attendant care benefits – for non‐catastrophic impairments

Standard benefit amount	Options available to increase your benefits
$65,000	Increase the benefit for medical, rehabilitation and attendant care for non catastrophic impairments to $130,000 or $1,000,000. This description is intended to be a summary of O. Reg. 34/10. Do not rely on this summary alone. For full details, please refer to O. Reg. 34/10.

Medical, rehabilitation and attendant care benefits – for catastrophic impairments

Standard benefit amount	Options available to increase your benefits
$1,000,000	Increase the benefit medical, rehabilitation and attendant care for catastrophic impairments to $2,000,000. This description is intended to be a summary of O. Reg. 34/10. Do not rely on this summary alone. For full details, please refer to O. Reg. 34/10. Note: You may purchase optional coverages for both catastrophic and non-catastrophic injuries.

Caregiver benefit

Standard benefit amount	Options available to increase your benefits
Available only for catastrophic injuries: Up to $250 per week for the first dependant plus $50 for each additional dependant.	Make the amounts available in your standard policy for catastrophic injuries (up to $250 per week for the first dependant plus $50 for each additional dependant), available for all injuries.

Housekeeping and home maintenance expenses

Standard benefit amount	Options available to increase your benefits
Available only for catastrophic injuries: Up to $100 per week.	Make the amounts available in your standard policy for catastrophic injuries (up to $100 per week), available for all injuries.

Income replacement benefit

Standard benefit amount	Options available to increase your benefits
70 percent of gross income up to $400 per week.	Increase the weekly limit to $600, $800 or $1,000.

Death and funeral benefits

Standard benefit amount	Options available to increase your benefits
$25,000 lump sum to an eligible spouse; $10,000 lump sum to each dependant; maximum $6,000 funeral benefits.	Increase the amounts provided in your standard policy to a $50,000 lump sum to an eligible spouse; $20,000 lump sum to each dependant; maximum $8,000 for funeral benefits.

Dependant care benefits

Standard benefit amount	Options available to increase your benefits
Not provided	Make the amounts available in the standard policy (up to $75 per week for the first dependant and $25 for each additional dependant), assuming you were employed at the time of the accident, are not receiving a caregiver benefit and have to pay for additional childcare expenses as a result of the accident.

Indexation benefit

Applicable to income replacement benefit, non‐earner benefit, caregiver benefit, and medical, rehabilitation and attendant care benefit

Standard benefit amount	Options available to increase your benefits
Not provided	Annual adjustment for inflation according to the Consumer Price Index (CPI) for Canada.

All other accident benefits

For policies entered into on or after July 1, 2026, all other accident benefits are optional. This includes income replacement, non-earner, caregiver, lost educational expenses, expenses of visitors, damage to personal items, death, funeral, dependant care, housekeeping and home maintenance, and indexation. Options to increase coverage for optional accident benefits vary by insurer.

Speak to your insurer, agent, or broker to learn more about which optional coverages may be right for you.