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Did you know the Statutory Accident Benefits Schedule is included with all automobile policies and has accident benefits in Ontario?
An injury from a car accident can cause physical and financial damage. Statutory Accident Benefits ensure you get the healthcare and financial support you need when you need it the most.
This blog will discuss what the SABS is and its role in an accident benefits claim.
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 are available with SABS:
Additional SABS are also available to assist those recovering:
You can also add additional coverage to your policy for dependent care and indexation.
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.
The SABS is part of the Insurance Act in Ontario. You can review the statutory accident benefits schedule here.
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Notify your insurer as soon as possible after an accident to inform them of any injuries related to an auto accident. Your insurer will provide you with forms to complete and return. You apply for SABS as part of your car accident claim.
SABS benefits are paid by your insurer. If you are a pedestrian, you will file a claim with the insurer of the vehicle that caused your injuries.
This is a chart that outlines the available benefits and coverage limits under SABs. They were revised on June 1, 2016. See the full revised list on the FSCO website.
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| Categories | Auto |
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| Tags | Auto Coverage |
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