How does "Accident Benefits" coverage work in Ontario?

"Accident Benefits" coverage in Ontario operates on a no-fault insurance basis, which means it provides benefits to individuals involved in an automobile accident regardless of who is at fault. This coverage is designed to help injured parties with medical expenses, rehabilitation costs, and income replacement if they are unable to work due to their injuries.

One of the key features of this system is that it ensures immediate access to benefits, which is particularly important for the injured parties, as it helps alleviate the financial burden while they recover. This system is in place to streamline the process and reduce the need for disputes over fault, thus promoting quicker recovery and access to necessary resources.

The other choices detail scenarios that do not align with how Accident Benefits coverage is structured in Ontario. Reducing coverage to instances of fault, limiting it to damages to the vehicle, or suggesting that it is optional fails to capture the comprehensive, protective intent of the Accident Benefits system.