Starting July 1, 2026, Ontario, CANADA is is moving to a "modular" or "a la Carte auto insurance system. The government is pitching this as a way to give you more choice and potentially lower your monthly premiums. But as a technician who sees the aftermath of accidents everyday, we want you to know what that choice actually means.
The BIG Challenge
Currently, your insurance policy automatically includes as standard package of benefits that protect you if you're hurt and can't work(personal liability policies are minimum requirement to insure a vehicle for legal road operation). After July 1st, 2026, nearly everything becomes an optional add-on. Only medical, rehabilitation and attendant care will remain in your basic policy. You will be required to opt-in to coverages like lost wages income replacement, caregiver benefits, housekeeping help and even funeral expenses.
The Watchdog Warning
While opting out might save you few dollars a month on your premium, it leaves you with a massive safety gap. If you're self employed, a student or don't have a high-end disability plan at work, you could be left with zero income support after a crash.
Even worse, these changes make it easier for insurance companies to focus on the cheapest path forward, rather than the safest one. This is why the Autobody Watchdogs are fighting for the "right to safe repair". To ensure that no matter what "options" you pick, your vehicle is still rebuilt to the highest safety standards.
What should YOU do?
- Check your Renewal: When your policy comes due for renewal, don't just accept a new one without discussing the benefits your policy holds and be sure that the options you want and had previously are included at no additional charges.
- Talk to your broker: Ask specifically about income replacement benefits.
- Sign the Petition: "choice" should not come at the cost of safety or the integrity of our trade!
