Increasing your liability and accident benefits coverage
You may purchase higher liability limits under your third-party liability coverage, as well as increased 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 better.
Your insurance representative 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. The cost to increase your third-party liability coverage to $500,000, $1 million or $2 million is small in most cases.
Optional accident benefits coverages:
If you have benefits from your employer or another policy, 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.
Coverage for:
Standard benefit amount
Options available to increase your benefits
$65,000
Increase the benefit for medical, rehabilitation and attendant care, including assessment costs for non-catastrophic injuries, to $130,000.
Standard benefit amount
Options available to increase your benefits
$1,000,000
Add $1,000,000 for medical, rehabilitation and attendant care benefits, including assessment costs for catastrophic injuries, for a total of $2,000,000.
Standard benefit amount
Options available to increase your benefits
$1,000,000
Increase the benefit for medical, rehabilitation and attendant care, including assessment costs for non-catastrophic injuries, to $1,000,000.
Increase the benefit for medical, rehabilitation and attendant care, including assessment costs for catastrophic injuries, to $2,000,000.
You may purchase both the increased coverage for catastrophic injuries and this increased coverage for all injuries. If so, you will increase the benefit for non-catastrophic injuries, including assessment costs, to $1,000,000 and the benefit for catastrophic injuries, including assessment costs, to $3,000,000.
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.
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.
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.
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.
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.
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.
