Accident Benefits provides compensation if you, your passengers, or pedestrians are hurt or killed in a car accident. Who is at fault doesn't make a difference to the coverage.*
Accident Benefits are compulsory in all provinces except Newfoundland and Labrador, and Quebec.
While details vary among provinces, Accident Benefits covers:
In Ontario, Accident Benefits also provides:
In Ontario you can purchase additional Accident Benefits.
Whose policy applies if you are a passenger?
In Ontario, if you have automobile insurance, you would claim these benefits from your own insurer, whether you were injured in your own vehicle or someone else's. If you don't have insurance, you would claim from the policy for the vehicle you were riding in.
*Not applicable in Quebec. Bodily injuries caused by an accident are covered by the Socitété d’Assurance Automobile du Quebec. Please contact us at 1.833.223.8740 if you have questions about coverage in Quebec.