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Insurance Benefits After an Auto Collision


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.