AUTO: SECTION 4: ACCIDENT AND BENEFITS

Question 1

Section 4: ACCIDENT AND BENEFITS

Answer 1

covers expenses not covered by OHIP regardless who is at fault (conditions secct.4.4):

• medical rehab
• attendant care
• income replacement benefits
• death and funeral benefits (add on)
• catastrophic injuries caregiver benefits
• housekeeping/home maintenance
• dependant care benefit (add on)
• indexation benefit- Must buy
• tort deductible

Question 2

Accident benefits coverage before and after June 2016

Answer 2

Prior to June 2016:

Non catastrophic

• medical and rehab: $50,000
• Attendant care: $36,000

Catastrophic:

• Medical and rehab: $1,000,000
• attendant care: $1,000,000

After June 2016:

Non catastrophic:

• medical and rehab and attendant care: $65,000 (reduced)

Catastrophic:

• medical and rehad and attendant care: $1,000,000

Question 3

Accident benefits coverage:

Income Replacement Benefits (IRB)

Answer 3

• weekly income up to $400 1 week after accident
  
  • AFTER TRIAL: potentially 100%
• 70% of gross income up to $400/wk max
• can inccrease to $600, $800, $1000 a week

Question 4

Accidents benefit coverage:

Medical and rehab and attendant care

Answer 4

Prior to June 2016:

Non catastrophic

• medical and rehab: $50,000
• Attendant care: $36,000

Catastrophic:

• Medical and rehab: $1,000,000
• attendant care: $1,000,000

After June 2016:

Non catastrophic:

• medical and rehab and attendant care: $65,000 (reduced)

Catastrophic:

• medical and rehad and attendant care:
• $1,000,000