Reform Explainers

After July 1, 2026, auto insurers are the first payer for medical claims after an accident — not your workplace health plan. Here is what that flip means for your coverage.

A step-by-step walkthrough of what happens after a post-reform collision — who pays first, what benefits you can claim, and how the new rules change the claims process.

An Ontario auto policy is part statute, part shopping. This reference guide draws the line — the coverages every policy must include, and the ones that are yours to decide, with sources beside each claim.