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The Injuries Covered by a Standard Auto Policy in Ontario

When a motorist is in an accident and has injuries, it becomes important to understand who is responsible for covering the medical expenses. In the province of Ontario, there are four primary options that motorists have for recovering medical expenses in the event of an accident. Those options are:

  • Coverage offered by the Ministry of Health and Long-Term Care (OHIP)
  • Private Insurance Coverage
  • No-Fault Automobile Coverage
  • Civil Legal Action Against the Other Party

No one wants to go to court over an auto accident, but it does happen from time to time. Before you consider the potentially expensive route of recovering medical expenses in civil court, you should take the time to understand what your Standard Auto Policy will cover when you are in an accident.

Minor Injury Guidelines

If you review the minor injury guidelines for Standard Auto Insurance in Ontario, you will see the list of conditions that your auto policy will cover in the event of an accident. If your condition falls under these guidelines, then you can expect to be covered for up to $3,500.00 of the costs for treatment, testing and rehabilitation.

Non-Catastrophic, Non-Minor Injuries

There is a long list of injuries that do not fall into the minor injury guidelines, and are also not considered to be catastrophic injuries. If your medical condition falls into this category, then you can expect to receive reimbursement for up to $50,000 of all of your medical costs associated with the injuries. This includes initial treatment, ongoing treatment, testing and rehabilitation.

Private Insurance

One of the big questions that people who are in auto accidents have is when they should look for coverage from their no-fault automobile policy, and when they should look to a private insurance policy for coverage. In Ontario, your private insurance must be exhausted before the no-fault auto payments will begin. That is why it is always a good idea to contact your private insurer before looking to get coverage from the no-fault insurance.

Medical expenses after an auto accident can pile up quickly. The worst thing an accident victim can do is wait to find out how his or her medical bills will be covered. In Ontario, motorists have a variety of options to choose from when it comes to getting treatment covered. But the way in which you utilize your coverage options is important.

That is why you should always contact a personal injury lawyer immediately after an accident to make certain that your personal interests are always protected. A lawyer will let you know what kind of coverage you should use, and a lawyer will negotiate your settlements from all of the various sources of coverage available to you.


For assistance with a personal injury and/or insurance claim, please email David Himelfarb at or call 1-855-446-7765, for a free case evaluation.

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