We all know it’s never going to happen to us but just in case make sure your motor vehicle insurance provides sufficient coverage for supplementary medical, rehabilitation, attendant care, caregiver, non-earner and income replacement benefits.

Not sure if you have enough coverage? Talk to an insurance broker or the CAA. Ask friends for recommendations. If you are a member of a union, professional organisation or CARP they may have a group scheme.

If you need more information about  automobile insurance in Ontario it is regulated by the Financial Services Commission of Ontario, a regulatory agency of the Ministry of Finance and they have an excellent guide on their website.