Major auto insurance reforms implemented in Ontario transition the province toward a flexible, consumer-focused framework. Under these updated regulations, core Statutory Accident Benefits—such as income replacement, caregiver benefits, non-earner benefits, and housekeeping expenses—have shifted from mandatory baseline inclusions to optional add-ons. Only essential medical, rehabilitation, and attendant care benefits remain strictly mandatory by default. Additionally, these reforms adjust the payment order rules, making auto insurance the first payor for medical and rehabilitation claims, and restrict the application of optional accident benefits strictly to the named insured, their spouse, dependants, and explicitly listed drivers.
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