Is Standard Auto Insurance Enough? Why You Should Consider Policy Upgrades

Many Ontario drivers assume their standard auto insurance policy offers full protection, but that’s not always the case. If you live in the Algoma District, including Elliot Lake, understanding the limits of your coverage could make all the difference after a serious accident.

At Feifel Gualazzi, your trusted law firm for Elliot Lake, our personal injury lawyers have seen firsthand how basic policies can fall short when it matters most. Here’s what you need to know on how upgrading your policy could protect your health, finances, and future.

What Does Standard Auto Insurance in Ontario Include?

By law, all Ontario drivers must carry a standard auto insurance policy. This includes:

• third-party liability coverage (minimum $200,000): Covers damage or injury you cause to others.
  

• statutory accident benefits: Provides limited support for medical care, income replacement, and rehabilitation regardless of fault.
  

• Direct compensation – Property damage (DCPD): Covers damage to your vehicle when another Ontario-insured driver is at fault.
  

• Uninsured automobile coverage: Protects you if you're hit by an uninsured or hit-and-run driver.
  

While these coverages are mandatory, they often fall short, especially in the event of a serious injury.

What Basic Auto Insurance Doesn’t Cover

The standard policy may not fully cover:

• lost income if you’re unable to work.

• long-term rehabilitation or home care.

• support for caregivers or dependents.

• funeral expenses or death benefits.
  

And starting July 1, 2026, Ontario is making major changes: most accident benefits will become optional. That means unless you actively choose to upgrade your policy, you could be left without essential protections like income replacement or caregiver benefits.

Optional Benefits worth Considering

To better protect yourself and your family, consider adding or increasing:

• income replacement benefits: Boost weekly payments from $400 to $600, $800, or even $1,000.
  

• medical, rehabilitation & attendant care: Increase coverage from $65,000 to $130,000 or more.
  

• caregiver & housekeeping benefits: Extend support beyond catastrophic injuries.
  

• death & funeral benefits: Ensure your loved ones are financially supported.
  

These upgrades are especially important if you don’t have strong workplace benefits or if you’re self-employed.

Insurance Realities for Rural Ontario Communities

In rural and northern communities like Elliot Lake, access to specialized care and rehabilitation services can be limited. That makes financial flexibility even more critical after an accident. Upgraded insurance can help cover travel for treatment, home modifications, or extended time off work—things basic policies may not.

How a Personal Injury Lawyer Can Help

At Feifel Gualazzi, we help clients across the Algoma District understand their rights and insurance options. If you’ve been injured in a motor vehicle accident, we’ll:

• review your policy and explain your benefits.

• help you apply for accident benefits and optional coverage.

• fight for the compensation you deserve, even if you were partially at fault.
  

We’re local, experienced, and committed to helping our neighbours recover with dignity.

Don’t Wait until It’s Too Late

Upgrading your auto insurance policy is a small step that can make a big difference. If you’re unsure about your coverage or have questions after an accident, call our office today or contact us online.

Feifel Gualazzi—the law firm Elliot Lake trusts for personal injury support.