Since July 1, 2026, Ontario drivers must actively choose their protections — a new reality that directly affects collision repair shops.

Since July 1, 2026, certain accident benefits that were automatically included in all automobile insurance policies in Ontario have become optional. This change, framed by the Insurance Bureau of Canada (IBC), fundamentally alters the relationship between Ontario drivers and their insurers — and has direct repercussions for automotive professionals in this market, including collision shops, dealerships and claims adjusters.

What changes in practical terms

Previously, protections such as medical and rehabilitation coverage following an accident were automatically included in every Ontario auto insurance policy. Now, policyholders must explicitly select them when purchasing or renewing their policy, or risk losing access to those benefits in the event of a claim. The IBC is encouraging drivers to carefully review their policies and discuss their options with their broker to ensure they have adequate coverage.

What this means for Ontario shops

For collision repair professionals in Ontario, this shift in the insurance landscape has practical implications. Less well-covered customers may be more hesitant to proceed with repairs, or more inclined to negotiate estimates. Shops that take the time to explain the importance of adequate coverage to their customers strengthen their role as trusted advisors — a valuable asset in an increasingly competitive market.

Picture credit : ADOBE STOCK