Ontario Accident Benefits Explained: What You Are Entitled To

What Are Accident Benefits?

Accident Benefits are "no-fault" insurance benefits for anyone injured in a motor vehicle accident in Ontario.

Types of Accident Benefits

• Medical and Rehabilitation: Up to $65K (non-catastrophic); up to $1M (catastrophic)
• Income Replacement: 70% of gross income up to $400/week
• Attendant Care: For help with daily activities
• Caregiver Benefits: If you can no longer care for dependents
• Non-Earner Benefits: For those who do not qualify for income replacement
• Funeral and Death Benefits: For fatal accidents

Filing Deadlines

Notify insurer within 7 days. Submit OCF-1 within 30 days. Missed deadlines may result in denial.