{"id":9087,"date":"2025-06-03T05:01:35","date_gmt":"2025-06-03T05:01:35","guid":{"rendered":"https:\/\/youset.ca\/?p=9087"},"modified":"2026-03-16T12:12:50","modified_gmt":"2026-03-16T12:12:50","slug":"is-accident-benefits-coverage-mandatory","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/is-accident-benefits-coverage-mandatory\/","title":{"rendered":"Is Accident Benefits Coverage Mandatory?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Of all the <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/types-of-car-insurance-coverage\/\"><span style=\"font-weight: 400;\">types of car insurance coverages<\/span><\/a> <span style=\"font-weight: 400;\"> available, accident benefits coverage is the one that\u2019s specifically designed to protect <\/span><i><span style=\"font-weight: 400;\">you<\/span><\/i><span style=\"font-weight: 400;\">. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If the worst should happen, and you find yourself the victim of a car accident, you may need to take time off work to recover, seek out medical treatments, or make adjustments to a new way of life. These situations can lead to significant financial strain, adding further stress during an already difficult time.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Fortunately, this is where accident benefits coverage comes in. It provides financial support for things like medical expenses, lost wages, rehabilitation, and more, ensuring you&#8217;re taken care of when you need it most.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In this article, you\u2019ll learn more about what accident benefits coverage is, what it covers, which provinces and territories make it mandatory, and more.\u00a0<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_dd82a7c45101f9130265779f27c7a31d\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400\">Accident benefits coverage is mandatory across most of Canada. If you\u2019re a driver in a province or territory where it\u2019s available, you can receive financial compensation for eligible expenses in the event of an accident, such as medical costs and lost income, up to the limits of your car insurance policy.\u00a0<\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-accident-benefits-coverage\">What is accident benefits coverage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Accident benefits coverage, sometimes referred to as \u201cSection B\u201d in certain provinces, provides financial compensation to individuals who are injured or killed in a car accident. Depending on where you live in Canada, accident benefits coverage may be automatically included when you <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">buy car insurance<\/span><\/a><span style=\"font-weight: 400;\">, offered as an optional add-on, or provided as part of your public car insurance plan.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The purpose of this coverage is to help cover the expenses that victims of car accidents may incur during their recovery, as well as provide support for their families in the unfortunate event of death. Below are some examples of what accident benefits coverage may cover:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Income replacement for lost wages<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Private medical services and treatments (ex. physiotherapy, chiropractic care, massage therapy)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Rehabilitation services (ex. vocational therapy, psychological counselling, speech therapy)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Medical supplies, devices, and equipment (ex. mobility aids, prosthetics)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Funeral expenses in the unfortunate event of a fatality<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">While the types of expenses covered are generally similar, the specifics of eligibility and compensation can vary by province. Each province establishes its own rules regarding how much compensation is provided and under what conditions. For instance, in Ontario, the <\/span><a href=\"https:\/\/www.ontario.ca\/laws\/regulation\/100034\"><span style=\"font-weight: 400;\">Statutory Accident Benefits Schedule (SABS)<\/span><\/a> <span style=\"font-weight: 400;\"> outlines the framework insurers use to determine the benefits an injured party may receive.<\/span>\n\n&nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_77bdb190b1f9d4bff876034ae5490d96\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on car insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-accident-benefits-coverage-mandatory\">Is accident benefits coverage mandatory?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Yes, accident benefits coverage is mandatory across most of Canada. Drivers in provinces and territories where it is available can receive financial compensation for eligible expenses, such as medical costs and lost income, up to the limits of their <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/how-to-read-your-car-insurance-policy-documents\/\"><span style=\"font-weight: 400;\">car insurance policy<\/span><\/a><span style=\"font-weight: 400;\">.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-provinces-where-accident-benefits-coverage-is-mandatory\">Provinces where accident benefits coverage is mandatory<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/what-standard-auto-insurance-policy\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.alberta.ca\/automobile-collisions-insurance\"><span style=\"font-weight: 400;\">Alberta<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/fcnb.ca\/en\/insurance\/automobile-insurance\"><span style=\"font-weight: 400;\">New Brunswick<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/irac.pe.ca\/insurance\/auto-insurance\/auto-insurance-faqs\/\"><span style=\"font-weight: 400;\">Prince Edward Island<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Nova Scotia<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Nunavut&nbsp;<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Northwest Territories<\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Yukon <\/span><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Meanwhile, Quebec, British Columbia, and Manitoba have government-run public car insurance systems that include accident benefits in some form, regardless of fault. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">For example, <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/traffic-accident\/public-automobile-insurance-plan\"><span style=\"font-weight: 400;\">Quebec offers accident benefits through the SAAQ<\/span><\/a> <span style=\"font-weight: 400;\"> (Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec). This coverage helps drivers recover from accidents by compensating them for their financial losses, such as lost income, private healthcare expenses, rehabilitation costs, medical supplies, and in-home assistance.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The two remaining provinces have different systems. <\/span><a href=\"https:\/\/www.gov.nl.ca\/dgsnl\/files\/insurance-pdf-auto-ins-review-01-29-2019.pdf\"><span style=\"font-weight: 400;\">Newfoundland and Labrador follows a tort system<\/span><\/a><span style=\"font-weight: 400;\">, where drivers can either purchase accident benefits coverage through a private insurer or seek compensation from the at-fault driver\u2019s insurance. In Saskatchewan, through the public car insurance plan, the default is <a href=\"https:\/\/youset.ca\/en\/blog\/no-fault-car-insurance\/\">no-fault coverage<\/a>, but drivers can opt for a tort-based plan instead.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-is-eligible-for-accident-benefits\">Who is eligible for accident benefits?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Accident benefits are designed to provide financial support for all those who may be involved in a motor vehicle accident, whether you&#8217;re the driver, a passenger, a cyclist, or a pedestrian.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Generally speaking, if you have <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance-guide\/\"><span style=\"font-weight: 400;\">your own car insurance policy<\/span><\/a><span style=\"font-weight: 400;\">, you\u2019ll typically claim accident benefits from your own insurer, even if you weren\u2019t driving at the time of the accident (for example, if you were a passenger or a pedestrian). <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you don\u2019t have insurance, you may be able to claim accident benefits through the policy of the driver who caused the accident.<\/span> <span style=\"font-weight: 400;\">That being said, eligibility for accident benefits, as well as the process for receiving them, can vary by province or territory. Always check the regulations in your area to fully understand your coverage and rights.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-limitation-period-for-accident-benefits\">What is the limitation period for accident benefits?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Since the effects of a car accident may not be immediately apparent, you generally have a set period of time, typically two years, from the date of the accident to <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/car-insurance-claims-dos-and-donts\/\"><span style=\"font-weight: 400;\">file a claim<\/span><\/a> <span style=\"font-weight: 400;\"> for accident benefits. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">However, the specific limitation period can vary depending on where you live in Canada. For instance, in <\/span><a href=\"https:\/\/www.ontario.ca\/laws\/regulation\/r10034#:~:text=A%20person%20receiving%20an%20income,this%20Part%20if%2C%20as%20a\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/open.alberta.ca\/dataset\/0f7b9744-0184-4d00-8ad0-7dd34e215f43\/resource\/402c972c-8e5e-4d40-8ebf-6c1992c5e58c\/download\/insurance-spf4-standard-garage-automobile-policy-2007-sectionb.pdf\"><span style=\"font-weight: 400;\">Alberta<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/sgi.sk.ca\/basic-auto-injury-insurance\"><span style=\"font-weight: 400;\">Saskatchewan<\/span><\/a><span style=\"font-weight: 400;\">, the limitation period is two years from the date of the accident, while in <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/traffic-accident\/public-automobile-insurance-plan\/covered-how\"><span style=\"font-weight: 400;\">Quebec<\/span><\/a><span style=\"font-weight: 400;\">, it\u2019s three years.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I<span style=\"font-weight: 400;\">n any case, it&#8217;s important to report your injuries as soon as possible. Delaying your claim could complicate your eligibility or the compensation process, so prompt reporting is always key.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Of all the types of car insurance coverages available, accident benefits coverage is the one that\u2019s specifically designed to protect you. If the worst should happen, and you find yourself the victim of a car accident, you may need to take time off work to recover, seek out medical treatments,&#8230;<\/p>\n","protected":false},"author":11,"featured_media":9088,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-9087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Is Accident Benefits Coverage Mandatory? - YouSet<\/title>\n<meta name=\"description\" content=\"The purpose of accident benefits coverage is to help cover the expenses of those injured or killed in a car accident.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/blog\/is-accident-benefits-coverage-mandatory\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Accident Benefits Coverage Mandatory?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/en\/blog\/is-accident-benefits-coverage-mandatory\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-03T05:01:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:12:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2025\/04\/Is-Accident-Benefits-Coverage-Mandatory-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/is-accident-benefits-coverage-mandatory\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/is-accident-benefits-coverage-mandatory\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Is Accident Benefits Coverage Mandatory?\",\"datePublished\":\"2025-06-03T05:01:35+00:00\",\"dateModified\":\"2026-03-16T12:12:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/is-accident-benefits-coverage-mandatory\\\/\"},\"wordCount\":798,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/is-accident-benefits-coverage-mandatory\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Is-Accident-Benefits-Coverage-Mandatory-YouSet.webp\",\"articleSection\":[\"Car insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/is-accident-benefits-coverage-mandatory\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/is-accident-benefits-coverage-mandatory\\\/\",\"name\":\"Is Accident Benefits Coverage Mandatory? 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