Bodily Injury & Fatalities

Coverage for people who can no longer care for others

The Personal Injury Protection Plan (PIPP) covers people injured in motor vehicle accidents who, at the time of the accident, were caring for children under the age of 16 or adults who can't work. There are two different types of coverage:

Full-time Caregiver

People who were unemployed or working part-time and whose main occupation was caring for children under the age of 16 or adults who can't work are eligible for the Caregiver Weekly Indemnity.

Part-time Caregiver

People who were working full-time, working more than 28 hours per week or were over the age of 16 and full-time students while also caring for children under 16 or adults who can't work are eligible to have unexpected, accident-related caregiver expenses reimbursed. You're eligible if you can't continue to care for children or an infirm adult because of your injuries.

Children Under 16

The Caregiver Weekly Indemnity and reimbursement of caregiver expenses are available when you can't care for a child under the age of 16 because of injuries sustained in the accident. When a child turns 16, coverage relating to that child ends, unless he or she requires care because of a mental or physical disability.

Example I

At the time of the car accident, Martine was a full-time mother, taking care of her three children, all of whom were under the age of five. Martine broke her leg and wrist in the accident and couldn't clothe, bathe or supervise her children. She received the Caregiver Weekly Indemnity during the four months it took for the injuries to heal and for her to again be able to care for her children unassisted.

Example II

At the time of the car accident in which he injured his back, Stephan worked full-time and took care of his father, who lived with him. Stephan's father uses a wheelchair and needs help getting into and out of bed. While Stephan's back healed, he had to hire someone to help his father in the morning and in the evening. PIPP paid this caregiver expense when Stephan provided legible copies of the receipts, which were below the weekly maximum amount PIPP covers.