Ontario auto insurance changes raise cost concerns

Ontario’s new auto insurance rules are set to take effect on Canada Day, and some advocates say the changes could leave drivers with less protection if they do not buy optional coverage. Under the updated framework, insurers must continue to include medical and rehabilitation coverage in basic policies, but other benefits such as income replacement, caregiver support, and death and funeral benefits will become optional for new or renewed policies starting July 1, 2026. Critics, including the Ontario Trial Lawyers Association and the advocacy group Fair Association of Victims for Accident Insurance Reform, argue that lowerincome drivers may skip extra coverage to save money and could later face larger outofpocket costs after a serious crash. The province says the changes are meant to give consumers more flexibility and choice.