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.

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.

There are several options to increase your coverage. Please contact your Roughley Insurance representative to discuss your options and determine what limit best suits your needs.