Changes on the Horizon: What’s Up with Ontario’s SABS?
Ever been in a car accident? If you’ve lived in Ontario, you’ve probably heard of the Statutory Accident Benefits Schedule, or SABS for short. It’s basically the rules governing what benefits you get if things go sideways on the road — think income replacement, medical care, even help with house chores if you’re out of commission. But buckle up, because come July 1, 2026, that whole system is about to get a facelift. This overhaul is promising more choice, but hey, nothing comes without its price tag, right?
Brenda Hollingsworth, a personal injury lawyer and the brains behind Auger Hollingsworth Accident & Injury Lawyers, has some serious reservations. “Sure, more choices sound great in theory,” she says, “but the reality? It could just leave vulnerable people — particularly those struggling financially — without the protection they sorely need.” And trust me, no one wants to be caught flat-footed after an accident.
Mandatory vs. Optional: The Big Shift
So, what’s the scoop on these new optional benefits? This big change flips the script, moving away from benefits that you automatically get to a system where you need to actively decide to purchase them. Not everyone’s going to dive in headfirst; people often stick with what they know.
As it stands, the only must-have benefits will be for medical, rehab, and attendant care. Everything else? Totally on you, my friend. The benefits that fall into the optional category include coverage for certain people listed on your insurance policy, like your spouse and dependents. With the clock ticking down to 2026, consumers need to get their ducks in a row. If you aren’t careful, you might be left with gaps in coverage that could bite you later.
It’s like not packing an umbrella because the sun’s shining. Sure, it seems harmless, but the rain can sure sneak up on you!
The Income Replacement Benefit: A Major Gap?
Let’s dive deeper into one of the biggest changes — the Income Replacement Benefit. Right now, if you’re injured, you can count on receiving up to $400 a week if you can’t work, regardless of blame. And yeah, if you want that kicked up to $1,000, you can add some extra coverage. Safe, right?
But under the new rules, kiss that safety net goodbye unless you’re willing to fork out more for optional coverage. “Some people don’t have long-term disability insurance,” Brenda points out. “Self-employed folks or part-timers? They might only snag a bit of employment insurance to ride them out. We’re talking folks who’ve never had to think about these options before.” And that’s a rude awakening waiting to happen.
Who Gets Left Behind?
No one wants to be the person left out in the rain after that peaceful day. If you’re a cyclist or pedestrian who gets hit and you don’t have a personal policy or live with someone who does? Well, tough luck — you’re stuck with the bare minimum again.
Brenda recalls a case where a cyclist was struck by a car. “They thought they were covered because they lived with a family member who had an auto policy, but it turned out their benefits were limited. That individual was left scrambling for support post-accident — an absolute nightmare.” Things like this make it not just important, but downright crucial to understand what you’re getting into.
Litigation: The Inevitable Backlash
Remember when no-fault auto insurance was all the rage? It promised to reduce lawsuits, getting help to injured folks way faster without the court drama. Fast forward, and with these reforms making essential benefits optional, it’s safe to say that promise is a bit shaky.
Brenda isn’t holding back when she says, “More gaps in coverage will lead to more lawsuits. People need compensation if they aren’t at fault. It’s just how things go!” Imagine someone not getting their money for lost wages; of course they’d feel the urge to sue. And hey, guess who will be affected? Yep, the already overloaded court system.
When you think about it, it’s like trying to fit a square peg in a round hole. It won’t just hurt individuals; it’s going to reverberate through the whole system.
Don’t Get Caught Off Guard
Picture this: it’s a bright sunny day in 2026, and you’re cruising down the road, feeling good. But wham! You get into a fender bender, and suddenly you realize you’re not covered. It’s the kind of surprise no one wants, right? That’s why knowledge is your best friend in this scenario.
Brenda tells us that with all these changes, an experienced personal injury lawyer becomes essential. “People need to understand the complexities of the new rules and how to navigate that shaky ground,” she says. Whether you’re injured today or a year from now, having someone in your corner to champion your rights? Priceless.
Getting the Right Support
It’s safe to say you don’t want to find out you’re underinsured after an accident. Speaking to a lawyer can be like having a safety net beneath you — ready to catch you when you fall. Brenda emphasizes that her team is all about support, whether it’s ensuring you receive every inch of coverage you’re entitled to or taking a stand for you in court. It’s about gearing you up for whatever comes your way.
When her phone rings, it’s not just another day at the office. Every call is a chance to help someone who might be feeling lost, and Brenda appreciates the importance of that role. “I take my job seriously,” she admits, “and we’re offering free consultations to make sure folks understand their rights. It’s all about getting support when you need it most.”
FAQ
What happens if I choose not to purchase optional benefits?
If you skip the optional benefits, you might find yourself without necessary coverage after an accident. The essential benefits will cover only basic medical and rehab costs, leaving gaps that could significantly impact your recovery.
Will my premiums go down with these changes?
It’s possible! By opting out of some benefits, you may save on your premiums. But keep in mind these savings could come at a higher risk if an accident does occur.
How can I make sure I’m covered after 2026?
Start by consulting with a personal injury lawyer or an insurance professional. They can help break down what changes are coming and guide you to make the best decisions for your coverage.
What do I do if I have already been in an accident?
If you’ve been in an accident already, reach out to an experienced lawyer right away. They can help you evaluate your options and ensure you get the compensation you’re entitled to based on your current coverage.
Are there any exclusions I should be aware of?
Yes, under the new rules, some optional benefits may exclude certain individuals or specific types of coverage. It’s crucial to read over your policy and understand what’s covered and what isn’t.
