Auto insurance is sold by private insurers; rates are reviewed by the Island Regulatory and Appeals Commission.
Pricing in Charlottetown reflects local claim patterns — post-tropical storms (Fiona 2022) and coastal erosion.
Auto insurance
10 min read
Updated Oct 13, 2026
Ontario Accident Benefits Explained: What Each Benefit Pays Now
Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here is what each accident benefit pays, who it covers and what could fill the gap if you go without one.
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