Accident Benefits Coverage | Auto Insurance

Accident benefits is the portion of your car insurance that will cover the cost of medical expenses in the unfortunate event of an accident. It does not matter who is at fault for accident benefits to kick in. This type of coverage goes above and beyond standard coverage to include some of the following medical fees:

Injuries
Hospital Stays
Rehabilitation
Attendant or In-Home Care
Housekeeping and Home Maintenance
Income Replacement or Lost Wages
Examinations
Costs Associated with Funerals or Death
And More

Accident benefits can cover medical fees for yourself, the other driver, pedestrians, cyclists, or anyone else involved in a collision. Although this is a type of coverage that you hope to never need to claim, accidents do happen and sometimes recovery can take time. The last thing you want to worry about in that scenario is out-of-pocket expenses.

Accident benefits are considered supplemental insurance coverage and are secondary to any workplace benefits.

Are Accident Benefits Mandatory?

In Ontario, drivers are required to carry accident benefits and there is a standard schedule of accident benefits that are included within every automobile insurance policy in Ontario. In addition to the standard schedule of accident benefits, Ontario drivers have optional accident benefits in addition to the standard benefits. Depending on individual circumstances and what other benefits drivers may have through employment drivers should consider purchasing additional optional accident benefits with higher limits to meet their needs.

Our team of insurance experts will review your unique situation, compare different coverage plans, and help find you appropriate car insurance so you will be covered for everything from hospital bills to repairs after vandalism.

A stethoscope rests on an insurance contract while a person holds a pen, suggesting a healthcare-related document review or signing activity.

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Ryan Vielma

21:03 15 Feb 19

My family and I have been insured through Jeffery and Spence for 14 years, and we will all always be loyal clients to this wonderful brokerage.read more

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17:50 27 Nov 18

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16:03 27 Jun 19

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22:42 22 Jul 19

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13:59 23 Oct 19

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18:55 21 Nov 19

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04:25 04 Dec 19

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15:38 10 Dec 19

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16:38 21 Jan 20

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13:40 14 Apr 20

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12:26 21 Aug 21

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13:23 06 Jul 21

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20:43 08 Oct 20

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12:37 22 Aug 22

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20:01 30 Aug 22

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12:58 18 Aug 22

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K. Kevin Wang

11:17 10 Feb 22

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Other Types of Auto Insurance

You deserve an affordable auto insurance plan that protects you if you become injured, covers your car if it is damaged, and protects other people and property. Our brokers can connect you with affordable plans suited to your lifestyle. No matter which type of auto insurance you need, we’ll make sure you feel comfortable with sufficient coverage.

Contact the liability insurance experts at Jeffery & Spence today to discuss your coverage options.

Accident Benefits

Are Accident Benefits Mandatory?

Other Types of Auto Insurance

Liability Coverage

Uninsured/Underinsured Driver Protection

Collision Protection

Comprehensive Coverage