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.

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.

What would you do if you were injured in a car accident and unable to work? Do you have short term disability coverage? Would you be able to get by with limited income for an extended period of time?

Your Ontario auto policy includes income replacement up to a maximum of $400 per week, depending on your income. Benefits are based on a maximum of 70% of your net income and begin one week after the accident occurs. If you earn more than $35,000 per year, this may not be enough.

We recommend increasing the standard $1 million in Accident Benefit coverage to $2 million. Click here to read about death and funeral benefits 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