Ontario's 2026 Auto Insurance Shake-Up

Ontario’s July 1, 2026 accident benefits changes

Ontario’s auto insurance accident benefits changed on July 1, 2026. Medical, rehabilitation and attendant care benefits remain mandatory. Other accident benefits—including income replacement, non-earner, caregiver, death and funeral benefits—are now optional, so drivers should review the choices on their policy rather than assume every benefit is included.

The auto insurer is generally the first payer for medical and rehabilitation costs after a collision. Policy wording and the details of a claim determine how benefits apply in an individual situation.

Why Mississauga and Toronto drivers should review their choices

GTA drivers may be tempted to focus only on the premium at renewal. Accident benefit choices also affect what support may be available after a collision. Consider your income, dependants, caregiving responsibilities, workplace benefits and the time you spend driving in Mississauga, Toronto and the surrounding region.

Do not assume an employer health or disability plan replaces every optional auto benefit. The plans have different terms, eligibility rules and limits. Compare them before deciding what to keep.

What to check before you renew

• Review the accident benefits listed on your renewal documents.
• Confirm whether income replacement, non-earner, caregiver, death and funeral benefits are selected.
• Check how workplace or private health and disability plans coordinate with auto coverage.
• Consider who depends on your income or care, and what support your household would need after a serious collision.
• Ask a broker to explain available choices across insurers in plain language.

Frequently asked questions

When did Ontario’s accident benefits changes take effect?

They took effect on July 1, 2026.

Which accident benefits remain mandatory in Ontario?

Medical, rehabilitation and attendant care benefits remain mandatory.

Is income replacement still mandatory?

No. Income replacement is now optional, along with non-earner, caregiver, death and funeral benefits.

Who is generally first payer for medical and rehabilitation costs after a crash?

The auto insurer is generally first payer for medical and rehabilitation costs after a collision.

Does this mean Ontario’s no-fault system ended?

No. The changes affect accident benefits and the choices available; speak with a broker about how the updated rules apply to your policy.

For a review of your auto coverage, contact Katherine or request an auto quote.

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