Statutory Accident Benefits Schedule In Ontario - SABS

Statutory Accident Benefits pay for expenses related to car accident injuries. This feature of Ontario car insurance pays for health costs not covered by OHIP or the government to help you recover from injuries and assistance with income related expenses.

The Statutory Accident Benefits Schedule, also referred to as SABS, is a form of no-fault insurance. It is mandatory and included as standard automobile coverage.

Certain benefits are available to anyone injured in a car accident, regardless of who is at fault. They are regulated under the Ontario Insurance Act. All SABS benefits claims are resolved by the Automobile Accident Benefits Service (AABS).

When you are searching for an auto insurance quote, you'll want to be clear on what the benefits available with SABS. Here's what is included :

• Income replacement : replaces lost income as a result of not being able to work.
• Caregiver : If you can no longer provide full-time care to a dependent from catastrophic injuries, you may qualify for towards the expenses to hire help.
• Non earner : If injuries prevent you from a normal lifestyle (such as disability), and you don't qualify for income replacement because of being a student or self-employed, you may be eligible for this.
• Medical and rehabilitation : Pays for expenses towards surgical, hospital, medication, physio etc.
• Attendant care : Covers services covered by long-term aid.
• Death and funeral : Provides assistance with funeral related expenses.

Additional SABS are also available to assist those recovering :

• Childcare expenses for stay at home parents if they are unable to care for their children.
• Costs to assist an injured person while at home.
• Housekeeping costs.
• Repair or replacement of eyeglasses, clothing and other personal items damaged in the accident.

You can also add additional coverage to your policy for dependent care and indexation.

SABS Catastrophic Impairment Benefits

Suppose you suffer a catastrophic injury (loss of limb, brain damage, paralysis) due to an auto accident. In that case, you will be provided with up to $1 million combined for medical, rehab, and attendant care. You have the option to increase this to $2 million.