Other Ontario Accident Benefits
Learn about additional Ontario Accident Benefits, including Lost Educational Expenses, Expenses of Visitors, Damage to Personal Items and Indexation.
Additional Optional Ontario Accident Benefits:
| Benefit | What It Covers |
|---|---|
| Lost Educational Expenses | Certain education expenses lost because accident-related injuries prevent you from continuing your studies. |
| Expenses of Visitors | Certain expenses incurred by eligible family members and others who visit you during treatment and recovery. |
| Damage to Personal Items | Certain costs to repair or replace eligible personal items damaged in the accident. |
| Indexation Benefit | Helps selected Accident Benefit limits and amounts keep pace with inflation. |
Lost Educational Expenses
Lost Educational Expenses can help if injuries from an automobile accident prevent you from continuing an education program you were enrolled in at the time of the accident.
| Who It May Help | Benefit Amount | What It Helps With |
|---|---|---|
| Students enrolled in elementary, secondary, post-secondary or continuing education. | Up to $15,000. | Certain education expenses lost because you are unable to continue your program following the accident. |
Example: A university student is seriously injured in an automobile accident and cannot complete their semester. Lost Educational Expenses may help with eligible education costs they have lost because they are unable to continue their studies.
Expenses of Visitors
Expenses of Visitors can help pay reasonable and necessary expenses incurred by eligible people who visit you while you are recovering from injuries caused by an automobile accident.
| Who It May Help | Benefit Amount | What It Helps With |
|---|---|---|
| Eligible family members and other qualifying visitors. | Reasonable and necessary expenses, subject to the maximum provided by the insurer and your policy. | Eligible expenses associated with visiting an injured person during treatment and recovery. |
Example: A person is hospitalized far from home following a serious automobile accident. Expenses of Visitors may help with reasonable and necessary expenses incurred by eligible family members travelling to visit them
Damage to Personal Items
This benefit can help with the cost of repairing or replacing certain personal items damaged in an automobile accident, including clothing, prescription eyewear and hearing aids.
| Who It May Help | Benefit Amount | What It Helps With |
|---|---|---|
| Eligible insured persons whose covered personal items are damaged in an automobile accident. | Reasonable and necessary expenses, subject to the maximum provided by the insurer and your policy. | Eligible items such as clothing, prescription eyewear, hearing aids and similar personal items. |
Example: Prescription glasses and clothing are damaged in an automobile accident. Damage to Personal Items coverage may help with the reasonable cost of repairing or replacing the eligible items.
Indexation Benefit
The Indexation Benefit helps protect certain Accident Benefit amounts against inflation by adjusting them annually based on changes in the Consumer Price Index for Canada.
| Applies To | Benefit | How It Works |
|---|---|---|
| Income Replacement, Non-Earner, Caregiver and Medical, Rehabilitation & Attendant Care Benefits. | Annual inflation adjustment. | Certain weekly benefit amounts and monetary limits are adjusted annually based on the Consumer Price Index for Canada. |
Example: If an eligible Accident Benefit is payable over a longer period, Indexation can help its applicable limits or payments keep pace with increases in the cost of living.
Should You Purchase These Accident Benefits?
We recommend reviewing these additional Accident Benefits as part of your overall coverage rather than automatically declining them.
Some may be more relevant than others depending on your circumstances. A student may place greater value on Lost Educational Expenses, while someone concerned about maintaining the value of their Accident Benefits over time may want to consider Indexation.
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