Ontario Auto Insurance Reform: Here’s What This Means for Drivers

Ontario’s auto insurance landscape has undergone a significant shift. Since July 1, 2026, drivers have greater flexibility allowing them to customize their Statutory Accident Benefits coverage, with most benefits now becoming optional rather than automatically included.

This reform marks a move away from Ontario’s long-standing standardized approach, requiring drivers to take a more active role in evaluating their coverage needs. While these changes affect both commercial and personal automobile insurance, Cosmo Racano, Managing Partner, National Practice Leader—Transportation, focuses on the implications for commercial automobile insurance while emphasizing that personal policyholders should also review their coverage. He explains what has changed, who is impacted, and why reviewing your policy is more important than ever to avoid potential protection gaps.