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Understanding Ontario’s Levels of Accident Benefits: What You Need to Know

Ontario’s accident benefits system provides financial support and coverage for individuals who sustain injuries in motor vehicle accidents. These benefits are designed to help individuals recover and get back on their feet after experiencing an unfortunate incident on the road. However, the levels of accident benefits in Ontario can vary, and understanding these levels is crucial for anyone navigating the aftermath of an accident.

Basic Accident Benefits Coverage

The basic level of accident benefits in Ontario is a standard package that includes various benefits to support accident victims. These benefits can cover medical expenses, rehabilitation, attendant care, income replacement, and other essential costs resulting from an accident. However, it’s essential to note that these benefits have limits and may not cover all expenses, making it crucial to comprehend the different levels available.

Minor Injury Guideline

In 2010, Ontario introduced a Minor Injury Guideline (MIG) designed to manage claims for minor injuries sustained in accidents. This guideline outlines a maximum amount of coverage ($3500) available for individuals with minor injuries such as sprains, strains, and whiplash-associated disorders. Understanding whether your injury falls within the MIG criteria is crucial, as it can affect the benefits you receive and the extent of coverage available to you.

Non-Catastrophic Injury Coverage

For individuals with injuries that do not fall under the MIG or are more severe than minor injuries, there’s coverage available for non-catastrophic injuries. This level of coverage provides increased benefits compared to the basic level and includes extended rehabilitation, attendant care, and more substantial medical coverage. These benefits are crucial for individuals who require more extensive support during their recovery process. This is capped at $65,000 for attendant care and medical and rehabilitation expenses unless you have purchased optional benefits.

Catastrophic Injury Coverage

At the highest level, Ontario’s accident benefits provide coverage for catastrophic injuries resulting from accidents. Catastrophic injuries involve severe and life-altering conditions, such as severe brain injuries, spinal cord injuries, amputations, and other critical impairments. This level of coverage offers significantly higher limits and more comprehensive support to address the extensive needs of individuals facing catastrophic injuries. The medical, rehabilitation and attendant care limits are capped at $1million however it also adds additional coverage for things such as housekeeping and home maintenance.

Challenges and Legal Consideration

Navigating the Ontario accident benefits system can be complex, especially when determining the appropriate level of coverage for specific injuries. Insurance companies may sometimes dispute the categorization of injuries, leading to disagreements regarding the level of benefits available to the injured party. Seeking legal advice and representation from professionals experienced in handling accident benefit claims can be essential in ensuring fair and adequate compensation.


Understanding the different levels of accident benefits in Ontario is crucial for individuals who have been involved in motor vehicle accidents. Knowing the distinctions between basic, minor injury guideline, non-catastrophic injury, and catastrophic injury coverage can significantly impact the support and resources available during the recovery process. Seeking guidance from legal experts and understanding your rights within the accident benefits system can help ensure that you receive the appropriate level of compensation and support following an unfortunate accident.

This article was written by Personal Injury Lawyer, Catherine Shearer. For additional information, please do not hesitate to contact her at or visit her Instagram page @guelphinjurylawyer

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.