On the next anniversary of your auto insurance policy, look very closely at the coverage, the reforms have reduced your benefits in some areas by as much as 50% but they have left the pricing the same.
This is dangerous as the cuts are to rehabilitation and physiotherapy, which OHIP cover's poorly.
You will have the ability to top it up and pay extra to get back to your original coverage....but that pricing is not set in stone for any company, so it may be time to shop it around or ask your broker to earn his commission by making sure you are taken care of.
Having formerly been a Forensic Accident Investigator, and having attended many personal injury accidents....you do not want to be short on the funds for rehabbing, and it goes faster today then it ever has. So make sure you take a good look at your coverage.
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