Call Us At 519.672.5666

Insights & Articles

< Back to Insights & Articles

Understanding No-Fault Accident Benefits in Ontario: A Beginner’s Guide


In Ontario, the no-fault accident benefits system is a crucial aspect of auto insurance, designed to provide support and coverage for individuals involved in car accidents, irrespective of fault. These benefits are intended to assist injured parties in their recovery process and alleviate financial burdens resulting from injuries sustained in a motor vehicle accident.

What Are No-Fault Accident Benefits?

No-fault accident benefits refer to the mandatory benefits that individuals injured in car accidents in Ontario can claim, regardless of who caused the accident. These benefits are part of the province’s Statutory Accident Benefits Schedule (SABS), an aspect of auto insurance that ensures coverage for medical treatment, income replacement, rehabilitation, and other necessary support services.

Coverage Provided by No-Fault Accident Benefits

  1. Medical and Rehabilitation Benefits: This coverage includes expenses related to medical treatments, rehabilitation programs, prescription drugs, and necessary assistive devices aimed at aiding recovery from accident-related injuries.
  2. Income Replacement Benefits: If an individual is unable to work due to accident-related injuries, these benefits provide income support, typically up to a specified percentage of the individual’s pre-accident income.
  3. Caregiver Benefits: Available to individuals who sustained catastrophic injuries, these benefits cover the costs associated with hiring someone to provide care for dependents.
  4. Attendant Care Benefits: This coverage assists in paying for an attendant or caregiver to help with daily activities if an individual is severely injured and requires ongoing assistance.
  5. Death and Funeral Benefits: In the unfortunate event of a fatal accident, certain benefits can be claimed to cover funeral expenses and provide financial support to dependents.

Eligibility and Claim Process

To access no-fault accident benefits in Ontario, individuals injured in a car accident must promptly notify their insurance provider and submit an accident benefits claim. It’s crucial to comply with the timelines and provide accurate documentation to support the claim. Additionally, individuals may also be eligible for benefits from their own insurer, even if they were not driving their own vehicle at the time of the accident.

Challenges and Limitations

While the no-fault accident benefits system is designed to provide support, navigating the process can be complex and challenging. Disputes between the injured party and insurance companies regarding benefit entitlements, treatment, or level of impairment can arise, requiring legal intervention or mediation.


No-fault accident benefits in Ontario are an essential component of auto insurance, aiming to assist individuals injured in car accidents regardless of fault. Understanding the available benefits and the claims process is crucial for those involved in such incidents. Seeking legal advice and understanding one’s rights can be instrumental in ensuring fair access to these benefits and navigating any challenges that may arise during the claim process.

This article was written by Personal Injury Lawyer, Catherine Shearer. For additional information, please do not hesitate to contact her at

If you require assistance with any Personal Injury matter, speak to a Personal Injury Lawyer at McKenzie Lake Lawyers LLP by calling (519) 672-5666.