{"id":9227,"date":"2016-05-02T09:25:38","date_gmt":"2016-05-02T09:25:38","guid":{"rendered":"https:\/\/301webdemo.com\/oegema\/?p=9227"},"modified":"2026-05-16T10:33:16","modified_gmt":"2026-05-16T10:33:16","slug":"ontario-changes-to-standard-auto-insurance-policies","status":"publish","type":"post","link":"https:\/\/www.ona.ca\/blog\/ontario-changes-to-standard-auto-insurance-policies\/","title":{"rendered":"Ontario Changes to Standard Auto Insurance Policies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9227\" class=\"elementor elementor-9227\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260ad659 e-flex e-con-boxed e-con e-parent\" data-id=\"260ad659\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df196c8 elementor-widget elementor-widget-text-editor\" data-id=\"df196c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To help stabilize insurance rates, the Ontario government has implemented changes to auto insurance. The changes include the reduction of the Medical, Rehabilitation and Attendant Care Coverage available under Accident Benefits coverage in standard auto insurance policies. These changes will take place on June 1st. This means that if you are injured in a car accident after June 1st, 2016, the amount of medical rehabilitation and attendant care expenses that your\u00a0<a href=\"https:\/\/www.ona.ca\/car-insurance-ottawa\/\">car insurance<\/a>\u00a0covers\u00a0<strong><em>may<\/em><\/strong>\u00a0be lower than before.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19a12a0 elementor-widget elementor-widget-image\" data-id=\"19a12a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"626\" height=\"417\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2016\/05\/Inner-image-22.webp\" class=\"attachment-large size-large wp-image-9231\" alt=\"Changes To Standard Auto Insurance Policies - Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2016\/05\/Inner-image-22.webp 626w, https:\/\/www.ona.ca\/wp-content\/uploads\/2016\/05\/Inner-image-22-300x200.webp 300w\" sizes=\"(max-width: 626px) 100vw, 626px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cdda3f elementor-widget elementor-widget-heading\" data-id=\"1cdda3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reduced Medical, Rehabilitation, and Attendant Benefit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13cac78 elementor-widget elementor-widget-text-editor\" data-id=\"13cac78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">For non-catastrophic accidents, a common benefit in all standard auto insurance policies is the medical, rehabilitation and attendant care benefit, which currently carries a combined limit of $86,000. Following the new legislation, the maximum will be reduced to $65,000. Even non-catastrophic accidents can present injuries like broken bones and severe strains, where the benefits would be used to cover reasonable and necessary expenses, like the cost of an attendant if you require assistance at home or in a healthcare facility. For more severe accidents with catastrophic injuries, the previous combined limit for medical, rehabilitation, and attendant care was $2 million combined, which will drop to $1 million. In these cases, costs can escalate quickly, and basic coverage may not be enough to cover all your expenses.<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c0ff7f elementor-widget elementor-widget-heading\" data-id=\"5c0ff7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When to Expect Changes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7712aef elementor-widget elementor-widget-text-editor\" data-id=\"7712aef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">For policies purchased after the legislation takes effect, the changes will take effect immediately, while for existing policies changes will take effect upon the next policy renewal following June 1st.<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c209dc elementor-widget elementor-widget-heading\" data-id=\"1c209dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Best Car Insurance Policy for You<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3884d41 elementor-widget elementor-widget-text-editor\" data-id=\"3884d41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">Despite the reduction in the amount of coverage you may have in the event of an accident,\u00a0<strong>you do have options<\/strong>\u00a0in regards to protecting yourself financially from unexpected expenses. To ensure the best possible coverage to suit you and your needs, get in touch with your insurance broker who will work with you to build the right automobile insurance policy.<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a903887 elementor-widget elementor-widget-heading\" data-id=\"a903887\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">You Have Options\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aaa6547 elementor-widget elementor-widget-text-editor\" data-id=\"aaa6547\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">Act today to see whether you\u2019ll be affected by the change in legislation, and what options you have to get the best insurance coverage for your needs. Get in touch with your local\u00a0<a href=\"https:\/\/www.ona.ca\/\" target=\"_blank\" rel=\"noopener\">Ottawa insurance broker<\/a>\u00a0today at Oegema, Nicholson &amp; Associates and speak with an expert who will work with you!<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-266eca9 elementor-widget elementor-widget-video\" data-id=\"266eca9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=6uqj5pgYDeQ&amp;t=4s&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>To help stabilize insurance rates, the Ontario government has implemented changes to auto insurance. The changes include the reduction of the Medical, Rehabilitation and Attendant Care Coverage available under Accident Benefits coverage in standard auto insurance policies.<\/p>\n","protected":false},"author":4,"featured_media":9229,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-9227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-advice"],"_links":{"self":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/9227","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/comments?post=9227"}],"version-history":[{"count":10,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/9227\/revisions"}],"predecessor-version":[{"id":18087,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/9227\/revisions\/18087"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media\/9229"}],"wp:attachment":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media?parent=9227"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/categories?post=9227"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/tags?post=9227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}