Auto Insurance Sector

Most people don’t have the money to pay for the losses (property damage, injury, death) they might cause while driving, so governments require drivers to carry a certain amount of insurance to cover any losses they might cause others to suffer and to cover their own medical expenses and loss of income resulting from driving –related injuries.

Ontario’s no-fault auto insurance system is legislated by provincial statute, the Insurance Act, 1990. Insured benefits, including medical and rehabilitation benefits, available to persons injured in a motor vehicle accident, and how to access these are detailed in Ontario Regulation 34/10 Statutory Accident Benefits Schedule (SABS). Occupational therapists play important roles in this sector, both assessing and treating injured claimants and providing insurer examinations for insurers to access second opinions about claimant status and needs.

Current Issues


OSOT is actively addressing the following issues to position and promote occupational therapy in Ontario’s auto insurance system and to ensure access to rehabilitation and benefits that meet the needs of persons injured in motor vehicle accidents.

  • Monitoring Impacts of Sept. 2010 Regulatory Changes on Access Benefits and OT Practice
  • Monitoring Implementation and Issues Relating to HCAI 
  • Definition of Catastrophic Impairment 
  • Auto Insurance Sector Fraud