自2026年7月1日起,安大略省将汽车保险改为任择附加保险,只强制保留医疗、康复和护理津贴。 Ontario switches auto insurance to optional add-ons starting July 1, 2026, keeping only medical, rehab, and care benefits mandatory.

自2026年7月1日起,安大略省将大多数汽车事故津贴改为选择性的“随身携带”保险,要求司机积极选择替代收入和家务等额外津贴,尽管医疗、康复和随员护理仍然是强制性的。 Starting July 1, 2026, Ontario is switching most auto accident benefits to optional "à la carte" coverage, requiring drivers to actively choose extras like income replacement and housekeeping, though medical, rehabilitation, and attendant care remain mandatory. 虽然这可能会降低某些人的保险费,但它增加了财务风险,特别是对于行人、骑自行车者和没有个人保险的乘客而言,他们可能面临没有保险的艰难困苦,必须诉诸法律要求赔偿。 While this may lower premiums for some, it increases financial risk, especially for pedestrians, cyclists, and passengers without personal insurance, who may face hardship without coverage and must pursue legal action for compensation. 保险人必须通知客户,修改现有政策需要书面更新。 Insurers must inform customers, and changes to existing policies require written updates. 专家们敦促司机审查各种备选方案,与经纪人协商,以避免保险不足。 Experts urge drivers to review options and consult brokers to avoid being underinsured.