Attendant Care Benefit: Pays for an aide or attendant to look after you if you have been seriously injured in an accident.

Caregiver Benefit: If you are providing full-time care to dependants and can no longer provide that care as the result of an auto accident, you may be eligible for caregiver benefits to reimburse you for your expenses to hire someone to care for your dependants.

Catastrophic Injuries: An insured person who suffers an impairment after an accident can apply for a determination of whether their impairment qualifies as “catastrophic.” If the impairment qualifies as “catastrophic,” the insured person is eligible for an increased level of benefits.

Death and Funeral Benefit: If you die as a result of an auto accident, the death benefit provides a lump sum payout to your spouse and your dependant; the funeral benefit provides a lump sum payout to cover the costs of your funeral expenses.

Deductible: The portion of a loss that you are required to pay.

Dependant Care Benefit: Pays for additional expenses incurred to care for your dependants if you are employed and are injured in an auto accident.

Direct Compensation-Property Damage (DC-PD): Covers damage to your vehicle or its contents if another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer. The accident must also occur in Ontario and both drivers must be insured by an insurance company licensed in the province.

Existing Accident Benefit Amounts: Throughout the information centre we refer to the existing amount of Accident Benefits coverage, which is known as “Basic Benefits” within Ontario automobile insurance policies prior to September 1st, 2010.

Housekeeping and Home Maintenance Benefit: If you are unable to perform your usual duties due to your injuries, this benefit pays for reasonable and necessary additional expenses for someone to complete your usual duties.

Income Replacement Benefit: If you cannot work as the result of an auto accident, you may be eligible for basic weekly income replacement benefits of up to $400.

Indexation: The automatic adjustment of the income replacement benefit, non-earner benefit, attendant care benefit or medical and rehabilitation benefit according to the Consumer Price Index for Canada to compensate for inflation.

Medical and Rehabilitation Benefit: Covers the cost of reasonable and necessary medical and rehabilitation expenses (e.g. physiotherapy, prescriptions) that are not covered by OHIP or your disability insurance plan.

New Accident Benefit Amounts: Throughout the information centre we refer to the new amount of Accident Benefits coverage, which will be known as “Standard Benefits” within Ontario automobile insurance policies after September 1st, 2010.

Non-catastrophic Injuries: Serious but non-life-altering injuries. Examples of non-catastrophic injuries, but not limited to:

• Whiplash
• Strain
• Sprain

Non-earner Benefit: This benefit may provide compensation if you and other insured persons are completely unable to carry on a normal life and do not qualify for an Income Replacement or Caregiver Benefit.

Statutory Accident Benefits: Benefits you receive if you are injured in an auto accident.

Third Party Liability: If you or someone else are killed or injured, or if their property is damaged, it will pay for legitimate claims against you up to the limit of your coverage, and will pay the costs of settling those claims.

Tort Deductible: The amount that is deducted from a settlement or court award for pain and suffering.

All products and services are subject to the terms and conditions of the applicable insurance contract. In the event of any conflict, the terms and conditions of the insurance contract will govern.