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Understanding Your Insurance Policy: Section B

Posted by Stacey England on 2 April 2014

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Section B of your insurance policy provides "no fault" accident benefits. These benefits include medical and rehabilitation expenses, death and funeral benefits, and loss of income. Since these benefits are "no fault" they provide assistance to all injured persons, regardless of who caused the accident.

How It Applies

Most people involved in an automobile accident are covered by Section B benefits of an insurance policy, whether their own or someone else's. If you are the driver of the vehicle your own insurance policy will apply. If you are involved in an accident as a passenger in someone else's vehicle, the Section B provisions of the driver's policy will apply. If you are involved in an accident as a pedestrian, the Section B provisions of the vehicle owner's policy will apply. To access Section B benefits, you must notify the applicable insurer within 30 days of the accident and file a proof of claim within 90 days of the accident.

What You Get

Medical Benefits

Section B will pay for all reasonable expenses incurred as a result of injuries suffered in the accident, up to a maximum of $50,000 per person or four years, which ever comes first. This includes expenses for necessary medical, surgical, chiropractic, dental, hospital, psychological, physical therapy, occupational therapy, massage therapy, acupuncture, and other related rehabilitative services, supplies, and treatment. You will also be reimbursed for travel expenses to attend these medical appointments. Your doctor will complete and submit forms to your Section B insurer about your condition throughout your treatment. Without these completed forms your benefits will not be payable.

Death and Funeral Benefits

If you die as a result of an accident, certain sums are payable to the surviving spouse and dependents. A surviving spouse is entitled to a lump sum payment in the amount of $25,000 and dependents will receive a lump sum payment of $5,000 each. Funeral expenses, up to $2,500, are also covered under Section B.

Loss of Income

If you are unable to perform the essential duties of your employment, you are entitled to payment of a weekly benefit. The benefits are calculated at 80% of your gross weekly earnings to a maximum of $250.00 per week, to a maximum of 104 weeks (2 years). After 2 years, your injuries must prevent you from working in any job that you are reasonably capable of performing in order to continue to receive these benefits.

The above amounts apply to accidents that occurred on or after April 1, 2012. Benefit amounts for accidents that occurred before April 1, 2012 are lower: maximum $25,000 per person for medical and rehabilitation expenses; $1,000 funeral expenses; and $140 per week for loss of income.

Handling My Section B Claim

You are responsible for notifying the Section B insurer and handling your claim. However, should you experience any difficulties or have any questions please do not hesitate to contact one of the members of the personal injury team or the lawyer handling your case. We also ask that you immediately contact us if the Section B insurer is requesting that you attend to a specific doctor for a medical consultation or your benefits have been cut off.