What car insurance benefits can passengers access after a collision?

Which insurance pays compensation or benefits for an injured passenger?

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When considering auto insurance, we generally think of coverage as protecting the owner/driver of the vehicle.


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But what if you are the passenger involved in a collision? What benefits do you have access to and, more importantly, what insurance does it provide?

Passenger coverage depends on whether they have their own car insurance policy

If you are injured as a passenger in a motor vehicle collision, making a claim can be confusing.

The good news is that even if you’re not driving, you’re protected.

“No one is left behind without coverage if you are injured in a motor vehicle accident,” says a representative from Hamilton’s Findlay Personal Injury Lawyers. “Even if you don’t have insurance yourself.”

According to the Insurance Bureau of Canada, passengers injured in collisions in Ontario “have access to Statutory Accident Benefits (SABS) and claims must be made in the following order of priority:


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  • If the injured passenger has an Ontario Automobile Policy (OAP) or is listed as the driver of a vehicle under an OAP, they must make a claim against that policy.
  • If the injured passenger does not have their own OAP and is not listed as a driver on someone else’s OAP, they must make a claim against the insurance policy that insured the vehicle in which they are traveling. found. [during the collision].
  • If the injured person was a passenger in an uninsured vehicle in a collision involving one or more other vehicles, they could claim the insurance policy of an insured vehicle involved in the collision.
  • If all the vehicles involved in the collision were uninsured, the injured passenger could claim Motor Vehicle Accident Claims Fund (MVAC).


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What benefits can I access as a passenger involved in a collision?

As an injured person, including as a passenger, you may be entitled to the following benefits:

  • Income replacement: This compensates you for a percentage of lost income.
  • To tend toA: This is compensation for expenses incurred when you cannot continue to be the primary caregiver for a member of your household who requires such care.
  • Unemployed: This will provide compensation if you are completely unable to continue leading a normal life but do not qualify for an Income Replacement Benefit or Compassionate Care Benefit. Full-time students or unemployed recent graduates may be eligible for this benefit.
  • Rehabilitation: This covers rehabilitation costs incurred when you are injured and need rehabilitation.
  • Auxiliary care: This will cover part of the care costs of an aide.
  • Medical: This covers medical expenses incurred when you are injured.
  • Compensation for other expenses: These benefits will cover other expenses such as the cost of family visits during any treatment you are undergoing or during your recovery period. It can also pay for household chores and some lost education expenses.


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If you die as a result of the collision, your family members may be entitled to the following benefits:

  • Death benefit: This pays money to your family members, including your spouse and dependents.
  • Funeral allowance: This will cover part of the funeral costs.

If you are a passenger involved in a collision, speak to an insurance agent or broker to understand your car insurance coverage and any benefits.

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