Auto insurance changes mean you might not be covered for lost wages!

There’s a big change coming to Ontario automobile insurance. Most people haven’t heard about it. Some won’t find out till it’s too late.

THE CHANGE: In 2026, auto insurance coverage that pays out for lost wages after an accident will no longer be required in Ontario. This is called income replacement. It’s automatically included in policies but that ends in July.

THE PROBLEM: Self-employed workers could end up with no income after a car accident if they can’t work. Many drivers won’t keep income replacement coverage once it’s an added cost. So if you’re hurt in someone else’s vehicle and they didn’t pay the extra premium, you might be out of luck. Even if you go to court, there may be no money coming in while you wait months (or years) for a settlement.

THE SOLUTION: It’s very important to have your own Self-Employed Lifetime Compensation program. This can pay up to $5,000 per month if you get hurt and can’t work. It's affordable and protects you 24/7. Let’s see if you qualify.

Click HERE to schedule a free consultation or call me at 416-788-4684. I’m happy to answer your questions. Send me a text message if that's easier for you. 

Don't wait. You need this protection in place BEFORE you get injured. Once you're hurt, it's too late.

Ask yourself, what happens if I get hurt and can't work? How will I pay the bills? How can my family stay in their home?

Ask me about Self-employed Lifetime Compensation. This plan is customizable to your needs and budget. It is specially designed for self-employed workers and those in medium and high risk occupations so you don't run afoul of limitations from policies designed for other types of workers.

It's only natural to want to protect yourself and your family. This is an easy and affordable way to do it.

Talk soon,  

Richard FitzGerald

Licensed Insurance Agent

Accident and Sickness Insurance Specialist

FSRA License #25237685

416-788-4684

Richard@AccidentandSicknessInsurance.ca