There’s a lot of talk about Auto Reform in Ontario – but what does it actually mean for you?
We’re hearing a lot of the same questions from members right now.
Here are clear, straightforward answers to help you understand what’s changing—and what to consider before making any decisions.
Will my auto insurance automatically change in 2026?
No – nothing will change overnight.
If your policy renews after July 1, 2026, your current coverage will typically carry forward unless you choose to make changes.
That said, you’ll likely be given new options at renewal – which is where decisions become important.
What’s actually changing with auto insurance?
The biggest change is this:
Many accident benefits that were previously included will now become optional.
This includes things like:
- Income replacement
- Caregiver benefits
- Housekeeping and home maintenance
You’ll now have more flexibility – but also more responsibility to choose what’s right for you.
Will my insurance be cheaper?
It might be – but not always in a meaningful way.
Removing optional coverages can reduce your premium slightly, but often the savings are modest compared to the protection you’re giving up.
This is where it’s important to weigh cost vs. risk, not just price.
What happens if I remove coverage and then need it?
This is the biggest concern we have as brokers.
If you opt out of certain benefits and are later injured in an accident, you may:
- Lose access to income support
- Have to pay out-of-pocket for caregiving or home help
- Rely on slower or limited government programs
Once coverage is removed, those protections aren’t there when you need them most.
Do I still need optional coverage if I have workplace benefits?
Maybe—but not always.
Workplace benefits can help, but they often:
- Have limits
- Don’t cover all expenses
- May not replace enough income
Auto insurance is designed to respond specifically to accidents – and can fill important gaps.
Who is covered under my policy?
Your policy typically covers:
- You
- Your spouse
- Your dependants
- Listed drivers
Some optional benefits may not extend to passengers or others, depending on how your policy is structured.
This is an important detail many people don’t realize.
What does “auto insurance pays first” mean?
Starting in 2026, your auto insurance will generally become the primary payer for accident-related medical and rehabilitation expenses (with some exceptions).
This can help preserve your workplace benefits – but it also means your auto policy plays an even bigger role in your recovery.
Should I be making changes right now?
Not necessarily.
But you should be starting the conversation.
The best time to review your coverage is before your renewal, so you understand your options and aren’t making rushed decisions.
What should I be thinking about before choosing coverage?
Everyone’s situation is different, but key considerations include:
- Your income and ability to absorb financial loss
- Whether others depend on you (children, parents, spouse)
- Your current benefits through work
- Your comfort level with risk
This isn’t just about insurance – it’s about financial protection.
Our advice: Ask questions before you remove anything
The new system gives you more control – but it also means there’s more room for gaps.
At Medallion Group Insurance, we’re here to help you:
- Understand your options
- Compare scenarios
- Make informed decisions based on your life – not just your premium
Have questions? Let’s talk.
Auto Reform doesn’t have to be overwhelming.
If you’re unsure how these changes affect you, we’re happy to walk through it together – so you can feel confident in your coverage moving forward.