Left Navigation Insurance Benefits After an Auto Collision If you are seriously injured in an auto collision, your accident benefits (AB) coverage pays for rehabilitation treatment, income replacement and other services to help you recover. AB coverage also covers funeral expenses and payments to your survivors if you are killed. Sometimes referred to as “Section B” or “no-fault” benefits, they are paid by your insurer regardless of who caused the collision.Depending on the type of injury and the province or territory you live in, your AB coverage may include visits to a chiropractor, physical therapist, psychologist, speech or occupational therapist, and/or massage therapist, as well as other rehabilitation providers.AB coverage often pays for crutches, wheelchairs and other assistive devices. It may even cover necessary modifications to your home or car to accommodate you if you have a permanent disability.This type of coverage is mandatory in every province and territory, except Newfoundland and Labrador.For more details on AB coverage in Ontario, see IBC’s Accident Benefits Coverage in Ontario brochure in Resources.Talk to your insurance provider to find out more about your AB coverage. Car Insurance Q&AQuestions to ask your insurance representativeAll about Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Related ServicesAluminum Siding Vs. BrickThe exterior of a home, such as whether it is built with aluminum siding or brick, is an important factor when calculating its replacement cost, (i.e., what it would cost to rebuild the house using similar materials if it were destroyed). Replacement cost, in turn, plays a large role in determining the premium for your home insurance policy.Car Improvements Following a CollisionIs a collision an opportunity to improve your vehicle? No, that would be fraud. Fraud is illegal and increases the cost of insurance for all drivers in Ontario.Neighbourhood Impact on Auto InsuranceWhere we live matters to us. That’s just as true when it comes to the cost of auto insurance. Premiums can vary from neighbourhood to neighbourhood and from city to countryside.Paying More for Less CoverageWe agree that Ontario auto insurance premiums are too high. There have also been some changes to coverage. Why is this? Colour Impact on Auto Insurance RatesThe colour of your car does not affect your car insurance premium. While the colour may be important to you, it’s not important to your insurance company.Medical Expense Payments Following a CollisionProvincial health insurance plans, private health insurance plans and auto insurers are all responsible for some of your expenses if you are in a collision. In Canada, auto insurers cover most medical expenses (other than for acute care).Flood Damage CoverageGenerally, overland flooding is not covered. Overland flooding occurs when water from rivers, streams or other bodies of water flows onto dry land and causes damage to homes. This kind of flooding can be caused by a spring thaw.Act of GodInsurance companies don’t use the phrase “acts of God.” They use the word “perils” to describe events that an insurance policy covers, and “exclusions” for events or situations that are not covered.Gas Vs. ElectricDo gas or electric appliances affect your home insurance premium? Absolutely not. Insurance FraudIf you are seriously injured in an auto collision, your accident benefits (AB) coverage pays for rehabilitation treatment, income replacement and other services to help you recover.Insurance PoolIs the money you pay for insurance set aside just for you, to cover any claims you have? Simply put – no. Useful LinksClaims ProcessImmediately after a collision, contact your insurer to make a claim. Learn more about the claims process in your province.Paper FraudWhen a criminal reports a collision that never occurred, it’s known as paper fraud. Jump-ins are reported as collision occupants but were not in the vehicle at the time of the reported collision.Rights and ResponsibilitiesInsurance companies, brokers and agents are committed to safeguarding your rights when you shop for insurance and submit a claim following a loss. Buying TipsInsurance is a significant investment. Before you purchase coverage, getting answers to key questions can help you make informed decisions.