Get A Quote
Make A Claim
Client Portal

Important Notice: Canada Post

Due to the ongoing postal service interruption, please avoid sending time-sensitive information by letter mail.  Access documents anytime via the Jones Client Portal or request them by email. For paper copies, contact your broker or call 807-343-9444.
We will provide updates as the situation evolves and appreciate your patience and understanding.

Self-Service Tools

Ontario Accident Benefits Self-Assessment

Ontario Accident Benefits Self-Assessment

    Do you need optional accident benefits?

    Starting July 1, 2026, Ontario is changing auto insurance to give you more flexibility and control over your coverage. To learn more about the changes to optional accident benefits, what each benefit includes and who is covered visit our website at jonesins.com/ontario-auto-reform

    This checklist can help you decide which optional benefits may be right for you or others covered under your policy. You may be able to add or remove these benefits based on your needs.

    Take the Self-Assessment

    How to use the self-assessment checklist:

    • Read each question carefully and select the answer that best applies to you.
    • If you select “yes” or “maybe”, the benefit described may be worth considering.
    • Your broker can help review your coverage and explain your options.

    Before you begin:

    • You may already have coverage for some of the benefits listed below through a private or workplace benefits plan.
    • Before adjusting the optional benefits on your auto insurance policy, review your existing coverage or speak with your benefits advisor to confirm what is already in place.

    Income Protection

    Applicant Information

    Name
    Name

    Income Replacement Benefit

    Would your household experience financial stress if you were unable to work for three months or longer following an automobile accident
    If you were injured, would you have access to disability benefits through your employer benefits or private disability insurance?
    If you were unable to work following an automobile accident, which weekly income amount would best reflect the level of income replacement you would want available?
    Your response tells us that you may benefit from this coverage.
    Your response tells us that you may benefit from this coverage.
    Your response tells us that you may benefit from this coverage.
    Your response tells us that you may benefit from this coverage.
    Based on your response, this coverage is not recommended, but you may inquire about this if you are interested below.
    Based on your response, this coverage is not recommended, but you may inquire about this if you are interested below.
    I am still interested in this coverage
    Woman Driving

    Income Replacement Benefit

    Limit options:
    $400 / week (70% of $31,200 annually)
    $600 / week (70% of $31,200 annually)
    $800 / week (70% of $41,600 annually)
    $1,000 / week (70% of $52,000 annually)

    Scenario
    Michelle is 43 and lives in Thunder Bay with her spouse, two kids, and her 71-year-old mother who lives with them. Michelle works full-time in payroll for a construction company and earns $75,000 per year. She is the more stable income earner in the household. In August, she is driving home from their camp outside Shuniah on Highway 11/17 when she is seriously injured in a collision. She cannot return to work for several months, and her income was what kept the household running.

    Without this coverage:

    • No weekly income replacement
    • Her full $75,000 income drops to $0 during recovery
    • Mortgage, groceries, and household bills must be covered from savings or her spouse’s income
    • Financial impact is immediate and significant
    With this coverage:

    • Weekly payments up to the selected limit
    • Provides partial to significant income replacement depending on level selected
    • Helps maintain household cash flow
    • Reduces financial disruption during recovery

    Non-earner Benefit

    Does your household include anyone who is not currently earning employment income, such as a student, retiree, stay-at-home parent, or someone between jobs?
    Would a serious injury substantially impact that person's education, independence, or daily activities?
    Your response tells us that you may benefit from this coverage.
    Based on your response, this coverage is not recommended, but you may inquire about this if you are interested below.
    I am still interested in this coverage

    Man Crutches

    Non-earner Benefit

    Limit options: $185 per week

    Scenario
    Avery is 20 and lives at home in Thunder Bay while attending Lakehead University. They are not working during the school year and help with younger siblings after school. After a winter accident on Oliver Road, Avery develops ongoing mobility issues and can no longer participate in school, social life, or normal daily routines.

    Without this coverage:

    • No financial support because there is no employment income loss
    • Impact of injury is not recognized financially
    • Increased reliance on family
    With this coverage:

    • Weekly payment provides financial support
    • Helps cover day-to-day personal expenses
    • Recognizes loss of normal life function

    Caregiver Benefit

    Are you or anyone in your household responsible for providing regular care to children, aging parents, or family members with disabilities or special care needs?
    If you were unable to provide care due to injuries from an automobile accident, would your household need to pay someone else to help with childcare, eldercare, or other caregiving responsibilities?
    Your response tells us that you may benefit from this coverage.
    Based on your response, this coverage is not recommended, but you may inquire about this if you are interested below.
    I am still interested in this coverage

    Mother and father

    Caregiver Benefit

    Limit: $250/week first dependant, $50/week additional dependants.

    Scenario
    Danielle is 39, a single parent with two children, and she also supports her father who lives nearby and relies on her for meals, transportation, and medications. She is injured in a snowstorm-related accident while driving home from work and cannot provide care.

    Without this coverage:

    • Must pay out-of-pocket for both childcare and eldercare
    • Immediate disruption to multiple dependants
    • Costs escalate quickly with no financial offset

    With this coverage:

    • Weekly payments help cover replacement caregiving costs
    • Children and parent continue to receive necessary care
    • Reduces both financial and logistical stress on the household

    How can we help?

    Search

    Why Jones?

    We have an excellent review score based on 200+ reviews!

    Auto Insurance

    Self-service

    Home Insurance

    Travel Insurance

    Business

    Get A Quote
    Make A Claim