Auto Legislation

Practical Resources and Governing Legislation

Insurance Act

This Act provides the legal framework for the insurance industry »  Insurance Act

Compulsory Automobile Insurance Act

The Compulsory Automobile Insurance Act requires every owner or lessee of a motor vehicle to insure that vehicle if it is being operated on a public road. »  Compulsory Automobile Insurance Act

Highway Traffic Act

The HTA regulates the licensing of vehicles, classification of traffic offences, administration of loads, classification of vehicles and other transport-related issues. » Highway Traffic Act


The SABS is a regulation under the Insurance Act that sets out the benefits that may be available to the insured person » O. Reg. 34/10: Statutory Accident Benefits Schedule – July 3, 2020 (e-Laws currency date)

The pre-June 2016 version of the SABS » O. Reg. 34/10: Statutory Accident Benefits Schedule – May 31, 2016 (historical version)

Auto Insurance Claims Forms (OCF Forms)

The forms required to be completed for filing a claim » OCF Forms

FSRA’s Guidance

Effective June 8, 2019, the Financial Services Regulatory Authority (FSRA) has assumed the regulatory functions of the Financial Services Commission of Ontario (FSCO). This Guidance contains New Guidance, Inherited Guidance and all Active/Inactive Guidance » FSRA’s Guidance

FSCO’s Superintendent's and Commissioner's Guidelines

The Guidelines set out the rights and responsibilities of insurers and claimants when dealing with statutory accident benefits claims. For example, Minor Injury Guideline, Professional Services Guideline, Cost of Goods Guideline. Until FSRA issues a new regulatory direction, all existing regulatory directions remain in force. » FSCO’s Guidelines

Property and Casualty - Auto Bulletins

Each guideline is issued as part of an auto insurance bulletin. The Bulletins provide clarification on the interpretation and operation of the SABS » Auto Bulletins


This tool allows parties to file applications and materials electronically using an online form » LAT-AABS e-File

LAT Forms

LAT applications can also be filed by mail or in person. This link contains application and response forms, as well as forms related to procedural matters during the LAT application process. » LAT Forms

LAT Rules of Practice and Procedure (Effective October 2, 2017)

The Rules provide a general roadmap for the handling of LAT proceedings » LAT Rules of Practice and Procedure 

Licence Appeal Tribunal Rules (August 21, 2023)

The Rules provide a general roadmap for the handling of LAT proceedings » LAT Rules

Licence Appeal Tribunal Act

The LAT Act provides a general framework on the Tribunal’s powers; commonly referenced sections include s.7 which deals with the extension of the limitation period and s.11 which deals with an appeal of a LAT decision » LAT Act 

Limitations Act

This Act sets out the rules on limitations » Limitations Act 

Statutory Powers Procedure Act

The SPPA provides a general framework for the conduct of hearings before Ontario’s administrative tribunals. » Statutory Powers Procedure Act

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