In most cases, car insurance will cover physical treatment for injuries sustained in an accident, regardless of who was at fault. Accident Benefits coverage is mandatory in Ontario, and provides benefits for medical and rehabilitation expenses, as well as income replacement, in the event of an accident. This coverage is typically provided through the Accident Benefits portion of the policy.
However, it's always best to check with your insurance company or read your policy to understand the specific details of your coverage. It's also important to note that if you have a "no-fault" insurance policy, your own insurance company will be responsible for covering your medical expenses, regardless of who was at fault in the accident.
It's worth noting that in the event of an accident caused by the policy holder's fault, the insurance company may not cover the cost of repairs or replacement of the policy holder's vehicle or any other damage caused to third party property.
It's important to understand the terms and conditions of your car insurance policy, so that you are aware of what your policy covers and what it does not. If you have any doubts or questions, it's always best to contact your insurance company for clarification.
