Tailoring Your Coverage,

Your insurance broker, agent or company representative
can provide you with a complete explanation of optional
coverages that are available, as well as help you to decide
which, if any, you may require.

Optional Coverages
Optional coverage is a term used to describe increases to
the mandatory minimum coverages that are required by
law in the basic car insurance policy. Optional coverages
allow you to choose your car insurance coverage to suit
your individual needs. For example, you may increase
your maximum level of Third-Party Liability and Accident
Benefits coverages.

Third-Party Liability Coverage: While you are legally
required to carry a minimum of $200,000, you can increase
this coverage to better protect yourself. The cost to
increase your Third-Party Liability coverage to $1 million
or $2 million is small in most cases.
Accident Benefits Coverage: You can also increase your
maximum level of Accident Benefits coverage by buying
any or all of the optional benefits listed below. Check to
see if you have benefits available to you at work or elsewhere,
so that you are not paying for coverage you already
have. If you are covered by these benefits elsewhere, you
may not need to buy optional benefits.
Income Replacement Benefits: If you cannot work as the
result of a car accident, you may be eligible for basic weekly
income replacement benefits of up to $400. If this is not
enough to cover your current income level, you may want
to consider buying optional income replacement benefits
to increase your maximum weekly protection to $600, $800
or $1,000.

Medical, Rehabilitation and Attendant Care Benefits: The
standard maximum amount for medical and rehabilitation
expenses, such as physiotherapy, chiropractic treatment,
dental expenses, etc., is $100,000. If you are catastrophically
injured, the standard maximum is $1,000,000. The
standard maximum for attendant care is $72,000. If you
are catastrophically injured, the standard maximum is
$1,000,000. You can buy optional benefits which will
cover up to $1,172,000 in additional medical, rehabilitation
and attendant care expenses, and up to $3,000,000 for
catastrophic injuries.
Caregiver Benefits: If you are providing care full-time to
dependants and can no longer provide that care as the
result of a car accident, you may be eligible for caregiver
benefits. The standard maximum amount for caregiver
benefits is $250 per week for one dependant, plus $50 per
week for each additional dependant. If you buy optional
caregiver benefits, the coverage increases to $325 per week
for one dependant, plus $75 per week for each additional
dependant.
Dependant Care Benefits: You can only claim optional
dependant care benefits if you were employed at the time
of the accident, are not receiving a caregiver benefit, and
have to pay for childcare expenses as a result of the accident.
Optional dependant care benefits cover up to $75 per
week for the first dependant and $25 for each additional
dependant.
Death and Funeral Benefits: In the event that you die as a
result of a car accident, the standard amount which will be
paid is $25,000 to your eligible spouse or same-sex partner,
$10,000 for each dependant, and a maximum of $6,000 for
funeral expenses. If you buy optional benefits, you can
increase these amounts to $50,000 to your eligible spouse
or same-sex partner, $20,000 for each dependant, and
$8,000 for funeral expenses.