An Overview of the Statutory Accident Benefits Schedule (SABS) in Ontario

Injuries from motor vehicle accidents can be life-threatening. Even relatively minor ones may require weeks or months of rehabilitative care, medication, and other therapies as the injured accident survivor works towards recovery. The costs of treatment, as well as income lost while you are unable to work, can add tremendous stress to an already challenging time. 

There are financial support options available if you have been injured in a motor vehicle accident in Ontario. If the negligent actions of another person caused the accident, you may be able to file a lawsuit against the at-fault party. You may also be eligible for Statutory Accident Benefits, which are included in every Ontario auto insurance policy. Under the Statutory Accident Benefits Schedule, you may be able to receive income replacement support as well as assistance with medical and rehabilitative needs, regardless of whose fault the accident was.

To discuss the specifics of your case, including any questions you may have about lawsuits or SABS claims, contact our London personal injury lawyers today.

What is the Statutory Accident Benefits Schedule?

The Statutory Accident Benefits Schedule (SABS) is a mandatory no-fault insurance included in standard auto insurance policies in Ontario. In order to legally operate a vehicle in Ontario, drivers must carry insurance. SABS may provide benefits coverage to anyone injured in a car accident, including drivers, passengers, and fellow road users such as cyclists or pedestrians.

SABS works on a no-fault system, meaning benefits may be available to an injured party regardless of who caused the collision. All auto insurance policies across the province offer at least the basic SABS benefits, but it is possible to add increased coverage options.

What Do SABS Benefits Cover?

SABS benefits may provide a range of coverage depending on your circumstances. Some are included in the standard basic package, while others need to be negotiated with your insurance company. Overall possible areas of coverage can include:

  • Medical and rehabilitative care such as physiotherapy, speech language pathology, chiropractic care, massage therapy, psychological therapy, and more.
  • Income replacement while you are unable to work.
  • Non-earner benefits if you are ineligible for income replacement (eg. you are a student or unemployed).
  • Caregiver benefits to provide financial support towards hiring someone to help take care of a dependent when you are no longer able.
  • Attendant care to support you in performing personal tasks where you are unable to do so yourself.
  • Death and funeral benefits, which may assist with expenses related to a funeral.
  • Prescriptions, including glasses, medication, etc.
  • Housekeeping support.
  • And possibly more

How to Apply for SABS Benefits in Ontario

If you have been injured in a car or other motor vehicle accident, you may be eligible for SABS benefits. Report the incident to a SABS insurer. If you were struck while walking or cycling, inform the insurer of the motor vehicle driver. The insurer will then likely ask you to fill out a form, which you should do attentively. 

At Cohen Highley LLP, our personal injury lawyers may be able to help you understand the requirements at every step of the SABS process. We may also be able to help you appeal a decision if your claim has been denied. Contact us today to learn more.

Contact Our Personal Injury Lawyers Today for a Consultation

Navigating the statutory accident benefits schedule can be confusing. Our London personal injury lawyers at Cohen Highley LLP would be happy to discuss your particular case and address your questions. Contact us today to schedule your consultation and see how we may be able to help you.

*Disclaimer: Please note the content in this article is not intended to act as legal advice. It is a general overview on a legal topic. For specific legal advice, please consult with a personal injury lawyer.

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