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Do Auto Insurance Policies Cover Dependent Relatives?

The vehicle insurance industries are changing, giving customers more choices over the insurance policies they choose and the certain premiums they pay. With effect from 1st June 2016, the Ontario government had made some changes to the vehicle insurance policies. These changes were geared towards providing clients with the flexibility they need to select their preferred policies and the premiums they pay. Hiring Scarborough personal injury lawyers will not be easy now. However, the primary question is that do Ontario auto insurance policies cover dependent relatives?

Many people in Ontario usually depend on one or more of their family members’ vehicle insurance policy to cover them in case a car accident happens. In accordance with Statutory Accident Benefits Rules, the term ‘insured entity’ contains all the “dependants of the specific person in the insurance documents or of his or her spouse.” The dependants do not need to be children. It can be any person who is actually “dependent for care or financial help” on the insurance of his or her partner. If you get confused, contact Scarborough personal injury lawyers to get helped instantly!


Usually, establishing who is and who is not dependent on auto insurance uses is very hard. For example, the Ontario Superior Court of Justice lately made a decision regarding this case: two women were highly injured in a road accident including a van on their way to Niagara Falls. During that time, the two ladies were living with their relatives. The question is - Are these ladies the dependents of their relatives they lived with? If yes, which certain relative?

To understand this case in a better manner, let us refer the first victim as a mother. The lady has five adult kids, including a grown son and a daughter. Now, the mother’s sister-in-law (the aunt) is married to the mother’s brother.


Both the aunt and the mother(first victim) stayed with the mother’s daughter and the family of the mother between September 2017 and December the same year. However, the daughter got divorced and both the mother and aunt moved to the son’s place, and after several weeks, the Niagara Falls crash happened. As of that time, the aunt and the mother were staying in the son’s house.

No matter what the case is, it is good to have Scarborough personal injury lawyers so that you do not face any difficulties in the future.


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