Optional and extra coverage

• Income replacement: helps replace income you or another covered person may lose because of an auto accident.
• Non-earner: 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.
• Caregiver:  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.
• Lost educational expenses: 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.
• Expenses of visitors: 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. 
• Housekeeping and home maintenance: 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.
• Damage to personal items: helps cover the cost to repair or replace personal items (e.g., clothing, prescription eyewear, hearing aids, etc.) damaged in an auto accident.
• Death benefits: compensates some family members if you or a covered person die due to an auto accident.
• Funeral benefits: helps cover some funeral costs if you or another covered person die due to an auto accident.
• Supplementary medical, rehabilitation and attendant care benefits: helps cover expenses for medical benefits beyond the standard limits.
• Dependant care benefits: helps cover reasonable and necessary additional expenses associated with caring for dependants such as a child, spouse, or aging parent.
• Indexation benefits: helps to ensure certain weekly benefit payments and monetary limits are adjusted annually to reflect changes in the cost of living.

Note: These descriptions of statutory accident benefits are a summary of the statutory accident benefits in Ontario Regulation 34/10 (the “SABS”). Do not rely on this summary alone. For full details, refer to the SABS or speak with your insurer, agent, or broker.

This coverage can pay for losses caused by one of the following perils:

• fire
• theft or attempted theft
• lightning
• windstorm
• hail or rising water
• earthquake
• explosion
• riot or civil disturbance
• falling or forced landing of an aircraft or parts of an aircraft
• the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which, an insured vehicle is being carried on land or water

This coverage can pay for losses, other than those covered by collision or upset coverage, including perils listed under specified perils coverage, falling or flying objects, missiles and vandalism.

This coverage can pay for losses caused when an automobile is involved in a collision with another object or tips over. Under this coverage, “object” includes:

• another automobile that is attached to the automobile
• the surface of the ground
• any object in or on the ground

This combines collision or upset and comprehensive coverages. In addition, it can cover loss or damage caused if a person who lives in your household steals the vehicle your insurance policy covers. All perils can also cover you if an employee who drives or uses, services or repairs that vehicle steals it.

This endorsement extends coverage to a vehicle that you drive, but that is owned by a leasing company.

This coverage, also referred to as “Loss of use,” covers the cost of a rental vehicle while you replace or repair your vehicle, if the damage or loss is caused by a peril for which you are insured.

This endorsement provides physical damage coverage to vehicles you may operate but do not personally own, such as a vehicle that you have rented or borrowed. It is subject to a deductible. It can also provide liability, accident benefits, uninsured automobile and direct compensation-property damage coverages in specific circumstances.

This coverage can remove the insurer’s right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage caused by a peril for which you are insured.

This coverage can protect you, or an eligible member of your family, to the same limits as your third-party liability coverage if you are involved in an automobile accident where you are not at fault, with someone who carries less insurance, no insurance or is an unidentified driver (e.g., hit and run).