What does the Accident Benefits (SABS) include?

The Accident Benefits, outlined in the Statutory Accident Benefits Schedule (SABS) of Ontario, are designed to provide financial protection to individuals injured in motor vehicle accidents, regardless of who is at fault. The caregiver benefit is one of these specific provisions, offering financial assistance to those who take on caregiving responsibilities as a result of the injuries sustained in the accident. The term "First Payor" refers to the principle that the benefits will first be covered by the individual’s own insurance, rather than requiring involvement from other potentially liable parties. The Voluntary Passenger Exclusion pertains to terms under which certain passengers may not be eligible for benefits if specific conditions or exclusions apply.

In contrast, while medical expenses and funeral costs are indeed covered under Accident Benefits, these aspects are more specifically categorized under other provisions rather than reflecting the comprehensive understanding of the caregiver benefit and related exclusions. Also, liability coverage and property damage compensation typically fall under different sections of motor vehicle insurance, not Accident Benefits. Income replacement and death benefits are also part of the benefits structure but do not encapsulate the full breadth covered in the context of the caregiver benefit and its unique related features.