Optional Statutory Accident Benefits (SABS) Ontario: What Drivers Need to Know in 2026

Optional Accident Benefits Ontario changes are coming into effect on July 1, 2026. The Financial Services Regulatory Authority of Ontario (FSRA) has introduced new rules that will give consumers more flexibility when choosing accident benefits coverage under their auto insurance policies.

While some accident benefits will remain mandatory, several benefits that were previously included automatically will now become optional. As a result, Ontario drivers should review their coverage carefully to ensure they have the protection they need after an accident.

What Are Statutory Accident Benefits (SABS)?

Statutory Accident Benefits Schedule (SABS) provides financial support to individuals injured in an automobile accident, regardless of who caused the collision. These benefits can help cover medical treatment, rehabilitation costs, income loss, caregiving expenses, and other accident-related needs.

Beginning July 1, 2026, Ontario auto insurance policies will include fewer mandatory accident benefits, allowing policyholders to customize their coverage based on their personal circumstances and budget.

What Accident Benefits Remain Mandatory?

The following benefits will continue to be included automatically with every Ontario auto insurance policy:

• Medical benefits
• Rehabilitation benefits
• Attendant care benefits

These benefits help cover treatment costs, rehabilitation services, and personal care assistance required after an accident.

What Accident Benefits Become Optional?

Starting July 1, 2026, policyholders may need to purchase additional coverage for benefits that were previously included in standard auto insurance policies.

These optional benefits include:

• Income replacement benefits
• Non-earner benefits
• Caregiver benefits
• Housekeeping and home maintenance benefits
• Death and funeral benefits
• Lost educational expenses
• Visitor expenses
• Damage to personal items

If you choose not to purchase these coverages, you may not be eligible to receive compensation for these expenses following an automobile accident.

Who Is Covered by Optional Accident Benefits?

When optional accident benefits are selected, coverage generally extends to:

• The named insured
• The spouse of the named insured
• Dependents of the named insured and their spouse
• Drivers listed on the policy

Because coverage may apply to multiple household members, reviewing your family’s needs before making coverage decisions is important.

Why These Changes Matter

The new Optional Accident Benefits Ontario framework gives consumers greater control over their insurance costs. However, lower premiums may also mean reduced protection following an accident.

For example, individuals who rely on their employment income may want to consider maintaining income replacement benefits. Likewise, families with dependents may benefit from caregiver coverage and other optional protections.

Every driver’s situation is different. Therefore, understanding the potential financial impact of declining certain benefits is essential before making a decision.

Review Your Coverage Before Renewal

As these changes take effect, Ontario drivers should speak with their insurance broker to understand which benefits are included in their policy and whether additional protection is appropriate.

At AIA Insurance, our team can help you review your coverage options and select accident benefits that match your needs, lifestyle, and budget.

Contact AIA Insurance today to learn more about the upcoming Optional Accident Benefits Ontario changes and how they may affect your auto insurance policy.

Sources
Financial Services Regulatory Authority of Ontario (FSRA)
Ontario Statutory Accident Benefits Schedule (SABS)