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Medical Expense Payments after a Collision


Medical Expense Payments after a Collision

​Provincial 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).


​Provincial 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).

Your provincial health insurance plan is the first to pay if you are in an auto collision. It covers acute care typically performed in hospitals, such as setting a broken bone. In several provinces like Ontario, auto insurers also contribute to these costs through a tax called a health care levy.

In 2010, Canadian auto insurers paid $274 million in health care levies. From these, $142.3 million (about 51%) came from Ontario.

Car insurers reimburse provincial governments for the medical services that provincial health plans provide to collision victims up front. Provincial health care levies are assessed by governments based on the estimated costs for their medical services.