About this guide. This explainer provides general information about Ontario's Statutory Accident Benefits Schedule (SABS) for educational purposes only. It is not legal advice and does not create a lawyer-client relationship. The benefits and limits shown reflect general standard coverage; your actual entitlement depends on the injuries you sustained, the policy in force on the date of your accident, and how the law applies to your facts — which can change over time. Insurers can and do dispute benefits; a denial is not the final word. For advice about your claim, speak with a licensed Ontario lawyer. Azimi Law is regulated by the Law Society of Ontario, and its founder Ben Azimi is a member of the Law Society of Ontario. Your privacy is protected. Everything you enter is processed entirely in your own browser — it is not transmitted to, collected, or stored by Azimi Law unless you deliberately choose to contact us. Any personal information you share is handled in accordance with our Privacy Policy and applicable privacy legislation, including Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA). Current as of July 14, 2026. The information in these guides reflects our understanding of Ontario law as of that date. Legislation, limitation periods, benefit levels, and dollar figures change over time and may have changed since; this content may become out of date. Azimi Law makes no representation or warranty that it is accurate, complete, or current, and accepts no responsibility for any decision or action taken in reliance on it. Always confirm the current law with a licensed Ontario lawyer before acting.

Question 1 of 3

How were you involved in the accident?

Accident benefits can apply whether or not you were in a car.

Question 2 of 3

How serious are the injuries?

A general sense is fine — only a proper assessment decides the category.

Question 3 of 3

What was your situation at the time?

This affects which income-type benefit may apply. Select the closest.

The big change: July 1, 2026

Ontario has reshaped auto accident benefits. Here's what you need to know in plain language.

Since July 1, 2026, most accident benefits are optional rather than automatic for accidents on or after that date. Medical, rehabilitation, and attendant care benefits remain mandatory on every policy. Other benefits — including income replacement, non-earner, caregiver, housekeeping/home maintenance, and death & funeral — may depend on the optional coverage purchased on the policy. The benefits available to you generally depend on the policy in force on the date of your accident. If you're unsure what you bought, that's exactly the kind of thing we check for you.

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