Auto insurance and accident benefits aren’t exactly the most exciting topic. It can also be pretty tricky to understand all of the terminology and choices available to you.

However, it is very important for all drivers to understand these coverages and how they affect you. So listen up.

Recently, accident benefit limits in Ontario were reduced. This means less coverage for you if you are injured as a result of an automobile accident. This applies to you whether you are a driver, a passenger, a pedestrian or a cyclist and whether you were at fault or not.

Many people aren’t aware that their auto insurance policy includes death and funeral benefits if death is a result of a motor vehicle accident.

Your auto policy includes up to $6,000 for funeral costs as well as lump sum payment of $25,000 to your spouse and $10,000 to each of your dependents. The lump sum payments can be used however your family sees fit.  If you don’t have life insurance, you may want to consider increasing your coverage.  You have the option to double the lump sum payment amounts, as well as increase the payment for funeral costs.

We always recommend increasing the standard $1 million in Accident Benefit coverage to $2 million. Click here to read about injuries and the coverages that are available to you through your auto insurance.


Roughley’s team of insurance professionals is standing by to answer your call. If you have questions about your insurance, we invite you to call us and speak to one of our team members.

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We are available Monday to Friday, 9am until 4:30pm.
Oshawa Location
Phone: 905.576.7770 • Toll Free: 1.888.558.0883
Fax: 905.576.3610
insure@roughleyinsurance.com

Bowmanville Location
Phone: 905.697.4257 • Toll Free: 1.888.558.0883
Fax: 289.316.3662
insurebowmanville@roughleyinsurance.com