Effective **July 1, 2026**, under Ontario Regulation **O. Reg. 383/24**, standard auto policies are changing. Many mandatory accident benefits (SABS) are moving to an optional elect/decline menu. Use our interactive advisor to optimize your renewals.
Answer 5 plain English questions. We'll map your situation to recommend which SABS benefits to elect or decline on your official renewal.
Do you earn a salary or wages that your household depends on?
Do you have a robust private long-term disability (LTD) package through your employer replacing at least 70% of your wages?
Ontario Regulation **O. Reg. 383/24** introduces modular stat benefits. Register on our waitlist to receive custom optimized broker rate comparisons immediately upon RIBO release.
Citing absolute legislative sources with zero subjective premium projections or forecasts.
The primary legislative amendment governing accident benefit modularity is **O. Reg. 383/24**, amending the Statutory Accident Benefits Schedule (O. Reg. 34/10) under the Ontario Insurance Act.
Source URL: Ontario.ca Legislation Portal
Under new FSRA coordinator guidelines, auto insurance becomes the primary first-payer for all medical and rehabilitation SABS benefits (excluding drug claims), relieving private extended health plans from primary obligation limits.
Source URL: FSRA Auto Reform Hub
Insurers must provide an **OPCF 47R endorsement form** at renewal. This documents the driver's consent to elect or decline optional SABS tiers. In accordance with RIBO, existing policies carry over unmodified unless changes are signed off in writing.
Source URL: RIBO SABS Changes Bulletin