Frequently asked questions

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Q.	Will my auto rates increase?
A.	Ontario insurance companies provide coverage for medications, rehab, loss of income. Regardless of who is at fault. These benefits don’t affect your auto insurance rates. Rates will only increase on your driving record, type of vehicle and number of At fault accidents you may have had.

Q.	Is there any financial compensation available to me, if I was not employed date of the accident?
A.	Yes. The Statutory Accident Benefits Schedule(S.A.B.S) provides for a range of benefits designed to assist an injury person in their time of need. Such benefits include, monies for assistance with providing care to children under the age of 16 or other persons in need of care, medical and rehabilitation benefits, as well as Non-earner Benefits.

Q.	Am I still entitled to accident benefits, if I was at fault?
A.	Yes. The principle of this legislation is to provide victims of car accidents the essential support that they require to recover from their injuries and reintegrate themselves back to their pre-accident activities of daily living, regardless of whose fault the accident was.

Q.	My insurance company has recommended a physiotherapist for my injuries. Do I have to use them or can I choose my own?
A.	You can choose your own.
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	Helpful Links - Automobile Insurance Regulations - The Law Society of Upper Canada - Ministry of Transportation - Goverment of Ontario - Mississauga MiWay

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