Optional Insurance Coverage

Optional coverage is available to customers. You should consider purchasing the coverage very carefully, as it can greatly increase your access to benefits in the event of an accident. Coverage limits were reduced significantly in June 2016, and many people who have been catastrophically or seriously injured, but not deemed Catastrophically Impaired under their auto insurance, may find that they run out of benefits before they recover from their injuries. In most cases the increased coverage is very reasonably priced and offers excellent value in the event of injury resulting from a car accident.

The policy owner has the option to purchase additional accident benefit coverage to increase the insurance coverage they will have in the event of personal injury in a car accident as follows:

  1. Medical, Rehabilitation and Attendant Care Benefits:
    1. Increase to $130,000 (for Non-Catastrophic Injuries)
    2. Increase to $2,000,000 (for Catastrophic Injuries)
    3. Increase to $1,000,000 (for Non-Catastrophic Injuries)
    4. Increase to $2,000,000 (for Catastrophic Injuries) to total $3,000,000
  2. Caregiver Benefit:
    1. Extend benefit to cover all injuries not just catastrophic injuries
  3. Housekeeping and Home Maintenance Expenses:
    1. Extend benefit to cover all injuries not just catastrophic injuries
  4. Income Replacement Benefit:
    1. Increase to $600, $800 or $1,000/week
  5. Dependant Care Benefit:
    1. Purchase up to $75/week for the first dependant and $25/week for additional dependants to a maximum of $150/week
  6. Death and Funeral Benefit:
    1. Increase to $50,000 for eligible spouse; $20,000 for each dependant; Maximum of $8000 for a funeral
  7. Indexation benefit:
    1. Adjust payments annually according to the consumer price index of Canada
  8. Tort Deductible:
    1. Reduce deductible by $10,000 regardless of annual indexation percentage increases

Practice Areas

  1. Car accidents
  2. Motorcycle accidents
  3. Automobile accident benefits
  4. Catastrophic injury
  5. Brain injury
  6. Paraplegia and Quadriplegia
  7. Spinal cord injury
  8. Drunk driving accidents
  9. Concussion syndrome
  1. Wrongful death
  2. Bicycle accidents
  3. Disability insurance claims
  4. Slip and fall injury
  5. Fractures or broken bone injury
  6. Pedestrian accidents
  7. Chronic pain
  8. Truck accidents
  9. Amputation and disfigurement

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May 17, 2019
Limitation Period Extended for Applicant on Technical Grounds - 17-007716 SW v Pafco Insurance, 2019 CanLII 18324 (ON LAT)
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