Accident Benefits | Davidson Cahill Morrison LLP

Navy title card reading "Major Changes to Ontario Accident Benefits, What the July 1, 2026 reforms mean for you," from Davidson Cahill Morrison LLP (dcmlaw.ca).

Ontario’s Auto Accident Benefits Change Today: What the July 1, 2026 Reforms Mean for You

Davidson Cahill Morrison LLP July 1, 2026

As of July 1, 2026, most of Ontario’s auto accident benefits are no longer automatic. Only medical, rehabilitation, and attendant care remain mandatory, while income replacement and most other benefits become optional coverage you have to buy. Here is what changed under Ontario Regulation 383/24, who may lose access, and what every driver should do at renewal.

Non-Earner Benefits Denied Because of Medical Malpractice

Paul Cahill December 4, 2024

It is not uncommon for a car accident victim to suffer further harm through medical negligence while being treated for accident-related injuries. In Midak v RSA, the Licence Appeal Tribunal denied non-earner benefits after finding the claimant’s traumatic brain injury arose from a later fall at a pain clinic, not the accident itself. The decision is a useful study in causation and the interplay between malpractice and statutory accident benefits.

Photo of a damaged car with the title of the post.

Applying for Accident Benefits After a Car Accident in Ontario

Davidson Cahill Morrison LLP July 20, 2024

Ontario’s accident benefits changed on July 1, 2026: medical, rehabilitation, and attendant care stay mandatory, while most other benefits are now optional. This guide explains what accident benefits cover, the current limits, how to apply after a car accident, the deadlines to watch, and how the no-fault system differs from suing the at-fault driver.

What to Do After a Car Accident in Ontario: 7 Key Steps

Ron Strike March 24, 2024

A car accident is stressful, and what you do at the scene and in the days afterward can affect both your health and any claim. This guide walks through seven steps, from getting to safety and gathering evidence to Ontario’s updated police-reporting rule, accident benefits, and when to call a lawyer, with notes for injured drivers across the Durham region.