HRC Insurance Blog

Important Changes to Your Auto Insurance

Policies are changing! The Ontario Government has introduced changes to the automobile insurance system to help make premium for auto insurance more affordable. 

What you need to know:

Starting June 1st 2016, the Government of Ontario has introduced new changes to the automobile insurance system. These changes have been made to help make premiums for auto insurance more affordable in Ontario.  As of June 1st 2016 these changes will only affect newly issued or renewed insurance policies. Any newly issued or renewed insurance policies that commence on or after June 1st 2016 will feature the new lower benefits.

What the Changes are:

The changes to the automobile insurance system have been implemented to decrease costs of auto insurance. These changes also offer you more choice over the coverage you select and the cost you pay for your auto insurance. The chart below shows the policies, what the changes are and options for additional coverage.

What you should do:

When it comes time for you to renew or purchase auto insurance on or after June 1st 2016. The new standard insurance policy you will receive from your insurance or insurance broker will include the new lower benefits. With that being said, it is important that you act quickly and contact your insurance representative to inquire and purchase optional coverage for your automobile if you so choose. It is also important to read and compare your insurance policy to the new one and if you have any questions regarding the policy contact your insurance provider. If you wish to change your current policy to reflect the new Standard Accident Benefits you will be required to sign a new application and  cancel your existing policy.


Accident Benefit

Current Policy

New Policy

(as of June 1, 2016)

Your Options

Medical, rehabilitation + attendant care benefits


Non-Catastrophic injuries

Medical and rehabilitation benefits pay for reasonable, necessary medical and rehabilitation expenses not covered by OHIP or your private health plan.


Attendant care benefits pay for reasonable, necessary expenses for an aide, attendant or long-term care facility.

$50,000 for medical and rehabilitation

$36,000 for attendant care

$65,000 in total

Increase benefits to $130,000

Or increase benefits to

$1 million


rehabilitation + attendant care benefits


Catastrophic injuries

Same as above.

Catastrophic injuries include traumatic brain injuries, loss of limb and paraplegia.

$1 million for medical and rehabilitation

$1 million for attendant care

$1 million in total

Add $1 million for a total of $2 million for catastrophic injuries

Can also

be combined with the

non-catastrophic benefit for a total of $3 million

Caregiver benefit

If you cannot continue as the primary caregiver and you are eligible, this benefit reimburses you for your expenses.

Up to $250/week for first dependant, $50/week for additional dependants (catastrophic injuries only)

No change

Extend benefit to all injuries

For more information on the changing policies, please follow the link below.


Since the 1900's...

Born under the name George Hutcheson, Hutcheson, Reynolds & Caswell Ltd. began providing insurance policies in Muskoka since the early 1900s. Bernard Reynolds joined the firm in the 1940s and purchased the firm from George Hutcheson in 1967. Finally, in 1980, David Caswell joined the company's ranks to complete Hutcheson, Reynolds and Caswell. We have grown along with our name and provide the same dedication to superior customer service and top-notch insurance coverage that George Hutcheson was famous for over 100 years ago.