{"id":25943,"date":"2026-04-21T09:54:08","date_gmt":"2026-04-21T13:54:08","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/fr-ca\/?post_type=rbc_landing_page&#038;p=25943"},"modified":"2026-04-29T09:22:44","modified_gmt":"2026-04-29T13:22:44","slug":"modification-assurance-automobile-ontario","status":"publish","type":"rbc_landing_page","link":"https:\/\/www.rbcinsurance.com\/fr-ca\/lp\/assurance-auto\/modification-assurance-automobile-ontario\/","title":{"rendered":"Modification de l\u2019assurance automobile en Ontario"},"content":{"rendered":"\n<div class=\"wp-block-rbc-banner banner imageBelowCard\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns banner__cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column banner__col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group banner__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__BannerHeroCard\" style=\"background-color:#006AC3\">\n<div class=\"wp-block-group group-main is-layout-flow wp-block-group-is-layout-flow\">\n<h1 class=\"wp-block-heading mar-b-0 mob-mar-b-0 has-white-color has-text-color has-link-color wp-elements-1544c4e6ca926cb24f7dc021681cebb8\" id=\"h-modification-de-l-assurance-automobile-en-ontario-ce-que-vous-devez-savoir\">Modification de l\u2019assurance automobile en Ontario : <mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">Ce que vous devez savoir<\/mark><\/h1>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-white\">\n<li class=\"wp-block-rbc-list-item\">\n<p>\u00c0 compter du 1<sup>er<\/sup> juillet 2026, l&rsquo;assurance automobile en Ontario sera plus souple<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous aurez la possibilit\u00e9 de renoncer \u00e0 certaines indemnit\u00e9s d&rsquo;accident qui \u00e9taient standards auparavant<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Cela vous procure un meilleur choix pour s\u00e9lectionner la couverture qui r\u00e9pond \u00e0 vos besoins<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-columns cta-columns is-layout-flex wp-container-core-columns-is-layout-00aef719 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column cta-column-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent before\"><a class=\"wp-block-button__link wp-element-button\" href=\"#h-la-garantie-indemnites-d-accident-legale-en-ontario-change\" data-dig-id=\"LP-Assuranceauto-25943-0ef7a1a8\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"button click\" data-dig-label=\"En savoir plus-#h-la-garantie-indemnites-d-accident-legale-en-ontario-change \">En savoir plus<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column cta-column-right is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column banner__col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"847\" height=\"564\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?quality=80&amp;w=847\" alt=\"Image d'une m\u00e8re et de sa fille lors d'un road trip\" class=\"wp-image-16208\" srcset=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp 847w, https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=768,511 768w\" sizes=\"auto, (max-width: 847px) 100vw, 847px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"847\" height=\"564\" src=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?quality=80&amp;w=847\" alt=\"Image d'une m\u00e8re et de sa fille lors d'un road trip\" class=\"wp-image-16208\" style=\"aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp 847w, https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=768,511 768w\" sizes=\"auto, (max-width: 847px) 100vw, 847px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-la-garantie-indemnites-d-accident-legale-en-ontario-change\">La garantie Indemnit\u00e9s d\u2019accident l\u00e9gale en Ontario change<\/h2>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Toutes les polices d\u2019assurance automobile de l\u2019Ontario comprennent des garanties Indemnit\u00e9s d\u2019accident l\u00e9gales standards qui peuvent fournir un soutien financier si vous \u00eates bless\u00e9 dans un accident d\u2019automobile, peu importe qui en est responsable. Avant le 1<sup>er<\/sup> juillet 2026, ces indemnit\u00e9s couvrent notamment les soins m\u00e9dicaux, la r\u00e9adaptation et le revenu si vous ne pouvez pas travailler en raison de vos blessures.<\/p>\n\n\n\n<p>\u00c0 compter du 1<sup>er<\/sup> juillet 2026, certaines indemnit\u00e9s qui \u00e9taient auparavant incluses dans chaque police d\u2019assurance deviendront facultatives, ce qui signifie que vous pourrez choisir de les souscrire ou non. Comme vous aurez un meilleur contr\u00f4le sur vos indemnit\u00e9s, il est important de prendre une d\u00e9cision \u00e9clair\u00e9e qui r\u00e9pond \u00e0 vos besoins. Les indemnit\u00e9s standards en vigueur avant le 1<sup>er<\/sup> juillet 2026 le resteront jusqu\u2019\u00e0 ce que vous d\u00e9cidiez de modifier votre police.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-quelles-indemnites-demeureront-inchangees\">Quelles indemnit\u00e9s demeureront inchang\u00e9es ?<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Les indemnit\u00e9s standards pour soins m\u00e9dicaux, r\u00e9adaptation et soins auxiliaires continueront d\u2019\u00eatre incluses dans toutes les polices d\u2019assurance auto. Ces indemnit\u00e9s aident \u00e0 couvrir les soins essentiels de r\u00e9tablissement apr\u00e8s un accident.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous pourrez toujours ajouter des indemnit\u00e9s ou augmenter votre couverture dans ces cat\u00e9gories, notamment ajouter des garanties compl\u00e9mentaires pour soins m\u00e9dicaux, r\u00e9adaptation, soins auxiliaires, personnes \u00e0 charge et indexation.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-quelles-indemnites-deviennent-facultatives\">Quelles indemnit\u00e9s deviennent facultatives ?<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Les indemnit\u00e9s \u00e9num\u00e9r\u00e9es ci-dessous deviendront des avenants facultatifs, et vous devrez d\u00e9cider de les inclure ou non. Les indemnit\u00e9s standards en vigueur avant le 1<sup>er<\/sup>&nbsp;juillet&nbsp;2026 le resteront jusqu\u2019\u00e0 ce que vous d\u00e9cidiez de modifier votre police.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title77c74380\" class=\"collapse-toggle collapsed\" data-target=\"#accordion77c74380\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-77c74380\" aria-controls=\"accordion77c74380\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Remplacement du revenu\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Remplacement du revenu<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion77c74380\" role=\"region\" aria-labelledby=\"accordion-title77c74380\"><div class=\"collapse-inner\">\n<p>Si vous ou une autre personne assur\u00e9e \u00eates incapables de travailler en raison d\u2019un accident d\u2019automobile, cette garantie contribue \u00e0 remplacer votre revenu.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Ai-je besoin de cette garantie ?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Envisagez d\u2019inclure cette garantie si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>vous ou une autre personne assur\u00e9e comptez sur votre revenu d\u2019emploi pour subvenir \u00e0 vos besoins ou \u00e0 ceux d\u2019autres personnes ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>vous ou une autre personne assur\u00e9e n\u2019obtiendriez pas de prestations d\u2019invalidit\u00e9 de votre employeur, de garanties ou d\u2019assurance invalidit\u00e9 priv\u00e9e si vous \u00e9tiez bless\u00e9.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebdc626b1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbdc626b1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-bdc626b1\" aria-controls=\"accordionbdc626b1\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Personne sans revenu d\u2019emploi\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Personne sans revenu d\u2019emploi<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbdc626b1\" role=\"region\" aria-labelledby=\"accordion-titlebdc626b1\"><div class=\"collapse-inner\">\n<p>Si vous ou une autre personne assur\u00e9e \u00eates \u00e9tudiant ou sans emploi et qu\u2019un accident d\u2019automobile vous emp\u00eache de mener une vie normale, cette garantie peut vous apporter du soutien financier pendant votre r\u00e9tablissement.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Ai-je besoin de cette garantie ?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Envisagez d\u2019inclure cette garantie si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>vous ou une autre personne assur\u00e9e \u00eates \u00e9tudiant, sans emploi ou retrait\u00e9 ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>une blessure nuirait \u00e0 votre capacit\u00e9, ou \u00e0 la capacit\u00e9 d\u2019une autre personne assur\u00e9e, \u00e0 vivre de fa\u00e7on autonome ou \u00e0 poursuivre des \u00e9tudes.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1818f5ef\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1818f5ef\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-1818f5ef\" aria-controls=\"accordion1818f5ef\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Indemnit\u00e9s de soignant\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Indemnit\u00e9s de soignant<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1818f5ef\" role=\"region\" aria-labelledby=\"accordion-title1818f5ef\"><div class=\"collapse-inner\">\n<p>Si vous, ou une autre personne assur\u00e9e, \u00eates le soignant d\u2019un membre de votre m\u00e9nage et que vous ne pouvez plus assumer cette responsabilit\u00e9 en raison d\u2019un accident d\u2019automobile, cette garantie aide \u00e0 couvrir les frais d\u2019embauche d\u2019une aide.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Ai-je besoin de cette garantie ?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Envisagez d\u2019inclure cette garantie si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>vous, ou une autre personne assur\u00e9e, \u00eates le principal responsable des soins \u00e0 des enfants, des parents vieillissants ou des membres handicap\u00e9s de votre famille ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>vous, ou une autre personne assur\u00e9e, \u00eates chef de famille monoparentale.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5383ce89\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5383ce89\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-5383ce89\" aria-controls=\"accordion5383ce89\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Frais d\u2019\u00e9tudes engag\u00e9s inutilement\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Frais d\u2019\u00e9tudes engag\u00e9s inutilement<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5383ce89\" role=\"region\" aria-labelledby=\"accordion-title5383ce89\"><div class=\"collapse-inner\">\n<p>Si un accident d\u2019automobile vous emp\u00eache, vous ou une autre personne assur\u00e9e, de fr\u00e9quenter un \u00e9tablissement d\u2019enseignement ou de suivre un programme de formation, cette garantie vous aidera \u00e0 couvrir les frais d\u2019\u00e9tudes engag\u00e9s inutilement.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Ai-je besoin de cette garantie ?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Envisagez d\u2019inclure cette garantie si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>vous, ou une autre personne assur\u00e9e, \u00eates \u00e9tudiant \u00e0 temps partiel ou \u00e0 plein temps.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0cb6863e\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0cb6863e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-0cb6863e\" aria-controls=\"accordion0cb6863e\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Frais des personnes en visite\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Frais des personnes en visite<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0cb6863e\" role=\"region\" aria-labelledby=\"accordion-title0cb6863e\"><div class=\"collapse-inner\">\n<p>Cette garantie contribue \u00e0 couvrir les d\u00e9penses raisonnables et n\u00e9cessaires des visiteurs, comme un fr\u00e8re, une s\u0153ur ou les parents, si vous ou une autre personne assur\u00e9e \u00eates bless\u00e9 dans un accident d\u2019automobile.<\/p>\n\n\n\n<p><strong>Ai-je besoin de cette garantie ?<\/strong><\/p>\n\n\n\n<p>Envisagez d\u2019inclure cette garantie si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>les membres de votre famille vivent loin ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>votre famille devrait vous rendre visite si vous, ou une autre personne assur\u00e9e, subissiez des blessures graves.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title71351ad6\" class=\"collapse-toggle collapsed\" data-target=\"#accordion71351ad6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-71351ad6\" aria-controls=\"accordion71351ad6\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Travaux m\u00e9nagers et entretien du domicile\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Travaux m\u00e9nagers et entretien du domicile<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion71351ad6\" role=\"region\" aria-labelledby=\"accordion-title71351ad6\"><div class=\"collapse-inner\">\n<p>Si vous ou une autre personne assur\u00e9e n\u2019\u00eates pas en mesure d\u2019accomplir les travaux m\u00e9nagers et d\u2019entretien habituels que vous assumiez avant un accident d\u2019automobile, cette garantie vous aidera \u00e0 couvrir les co\u00fbts.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Ai-je besoin de cette garantie ?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Envisagez d\u2019inclure cette garantie si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>vous, ou une autre personne assur\u00e9e, devrez embaucher quelqu\u2019un pour assumer les travaux m\u00e9nagers si vous \u00eates bless\u00e9.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title174412e3\" class=\"collapse-toggle collapsed\" data-target=\"#accordion174412e3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-174412e3\" aria-controls=\"accordion174412e3\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Dommages aux effets personnels\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Dommages aux effets personnels<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion174412e3\" role=\"region\" aria-labelledby=\"accordion-title174412e3\"><div class=\"collapse-inner\">\n<p>Cette garantie aide \u00e0 payer les frais de r\u00e9paration ou de remplacement d\u2019effets personnels (p. ex., v\u00eatements, lunettes d\u2019ordonnance, appareils auditifs) endommag\u00e9s dans un accident d\u2019automobile.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Ai-je besoin de cette garantie ?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Envisagez d\u2019inclure cette garantie si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>vous, ou une autre personne assur\u00e9e, transportez r\u00e9guli\u00e8rement des objets de valeur, comme des lunettes, des appareils auditifs ou des aides \u00e0 la mobilit\u00e9.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Le remplacement de ces articles serait co\u00fbteux s\u2019ils \u00e9taient endommag\u00e9s lors d\u2019un accident.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2cb5cb56\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2cb5cb56\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-2cb5cb56\" aria-controls=\"accordion2cb5cb56\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"D\u00e9c\u00e8s\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>D\u00e9c\u00e8s<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2cb5cb56\" role=\"region\" aria-labelledby=\"accordion-title2cb5cb56\"><div class=\"collapse-inner\">\n<p>Cette garantie permet de verser une indemnit\u00e9 \u00e0 certains membres de la famille si vous ou une autre personne assur\u00e9e d\u00e9c\u00e9dez \u00e0 la suite d\u2019un accident d\u2019automobile.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Ai-je besoin de cette garantie ?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Envisagez d\u2019inclure cette garantie si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>votre famille aurait besoin de soutien financier pour couvrir les d\u00e9penses courantes si vous, ou une autre personne assur\u00e9e, d\u00e9c\u00e9diez dans un accident d\u2019automobile ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>vous, ou une autre personne assur\u00e9e, n\u2019avez pas d\u2019assurance vie ou d\u2019autre couverture pour les frais fun\u00e9raires.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlec3da0573\" class=\"collapse-toggle collapsed\" data-target=\"#accordionc3da0573\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-c3da0573\" aria-controls=\"accordionc3da0573\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Frais fun\u00e9raires\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Frais fun\u00e9raires<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionc3da0573\" role=\"region\" aria-labelledby=\"accordion-titlec3da0573\"><div class=\"collapse-inner\">\n<p>Cette garantie couvre une partie des frais fun\u00e9raires si vous ou une autre personne assur\u00e9e d\u00e9c\u00e9dez dans un accident.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Ai-je besoin de cette garantie ?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Envisagez d\u2019inclure cette garantie si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Votre famille aurait de la difficult\u00e9 \u00e0 payer les frais fun\u00e9raires ou d\u2019inhumation.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-qui-sera-couvert-par-la-garantie-indemnites-d-accident-legale\">Qui sera couvert par la garantie Indemnit\u00e9s d\u2019accident l\u00e9gale ?<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\">\u00c0 compter du 1<sup>er<\/sup> juillet 2026, les nouvelles indemnit\u00e9s facultatives de votre police d\u2019assurance auto s\u2019appliqueront uniquement aux personnes suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-b-hlf mob-mar-b-hlf\">\n<li class=\"wp-block-rbc-list-item\">\n<p>le ou les assur\u00e9s d\u00e9sign\u00e9s ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>le conjoint de l\u2019assur\u00e9 d\u00e9sign\u00e9 ou des assur\u00e9s d\u00e9sign\u00e9s ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>les personnes \u00e0 charge de l\u2019assur\u00e9 d\u00e9sign\u00e9 ou des assur\u00e9s d\u00e9sign\u00e9s et de leur conjoint ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>les conducteurs inscrits sur la police.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Cela signifie que certaines personnes, comme les pi\u00e9tons, les cyclistes et certains passagers, qui ont pu b\u00e9n\u00e9ficier de la couverture par le pass\u00e9, pourraient ne plus \u00eatre admissibles \u00e0 la garantie Indemnit\u00e9s d\u2019accident facultatives.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-qu-est-ce-que-ces-changements-signifient-pour-vous\">Qu\u2019est-ce que ces changements signifient pour vous ?<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titled616008f\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond616008f\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-d616008f\" aria-controls=\"accordiond616008f\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Si vous renouvelez une police existante apr\u00e8s le 1<sup&gt;er<\/sup&gt; juillet 2026\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Si vous renouvelez une police existante apr\u00e8s le 1<sup>er<\/sup> juillet 2026<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiond616008f\" role=\"region\" aria-labelledby=\"accordion-titled616008f\"><div class=\"collapse-inner\">\n<p>Votre police sera renouvel\u00e9e automatiquement selon votre couverture et vos plafonds actuels, sauf si vous indiquez par \u00e9crit \u00e0 votre assureur que vous les refusez ou les modifiez.<\/p>\n\n\n\n<p><strong>Toutefois, les personnes couvertes par votre police au titre des nouvelles garanties facultatives changeront le 1<sup>er<\/sup> juillet 2026, quelle que soit la date d\u2019entr\u00e9e en vigueur du renouvellement.<\/strong> Vous pouvez passer en revue et mettre \u00e0 jour votre protection en fonction des besoins de toutes les personnes assur\u00e9es. Avant de proc\u00e9der \u00e0 des modifications, v\u00e9rifiez si vos avantages sociaux personnels ou au travail offrent d\u00e9j\u00e0 une couverture semblable.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleecef48aa\" class=\"collapse-toggle collapsed\" data-target=\"#accordionecef48aa\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-Assuranceauto-25943-ecef48aa\" aria-controls=\"accordionecef48aa\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"collapsible closed\" data-dig-label=\"Si vous \u00eates un nouveau client\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Si vous \u00eates un nouveau client<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionecef48aa\" role=\"region\" aria-labelledby=\"accordion-titleecef48aa\"><div class=\"collapse-inner\">\n<p>Les clients qui souscrivent une nouvelle police \u00e0 compter du 1<sup>er<\/sup> juillet 2026 pourront choisir quelles garanties Indemnit\u00e9s d\u2019accident facultatives ils souhaitent souscrire. Demandez \u00e0 votre repr\u00e9sentant en assurance quelles garanties sont incluses dans votre soumission. Selon les besoins de toutes les personnes assur\u00e9es, vous voudrez peut-\u00eatre ajouter des garanties facultatives \u00e0 votre police.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout2 mar-b-dbl mob-mar-b-dbl\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-quelles-mesures-devrais-je-prendre\"><span class=\"partial__border-bottom\">Quelles mesures devrais-je prendre ?<\/span><\/h2>\n\n\n\n<p class=\"p-large\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/11\/Auto.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"informationCard__prod-type overline\"><\/p>\n\n\n\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-passez-en-revue-votre-couverture-actuelle\">Passez en revue votre couverture actuelle<\/h4>\n<\/div>\n\n\n\n<p>D\u00e9terminez quelles indemnit\u00e9s votre police d\u2019assurance auto vous offre d\u00e9j\u00e0.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/shield-heart.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"informationCard__prod-type overline\"><\/p>\n\n\n\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-passez-en-revue-le-regime-d-avantages-sociaux-de-votre-employeur-ou-de-votre-regime-prive\">Passez en revue le r\u00e9gime d\u2019avantages sociaux de votre employeur ou de votre r\u00e9gime priv\u00e9<\/h4>\n<\/div>\n\n\n\n<p>Vous, ou une autre personne assur\u00e9e, \u00eates peut-\u00eatre d\u00e9j\u00e0 assur\u00e9 par l\u2019interm\u00e9diaire de votre employeur, d\u2019un r\u00e9gime d\u2019avantages sociaux priv\u00e9 ou d\u2019autres fournisseurs d\u2019assurance vie ou maladie.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/person.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"informationCard__prod-type overline\"><\/p>\n\n\n\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-reflechissez-a-vos-besoins\">R\u00e9fl\u00e9chissez \u00e0 vos besoins<\/h4>\n<\/div>\n\n\n\n<p>D\u00e9terminez quelle couverture vous convient le mieux, \u00e0 vous et \u00e0 toutes les personnes assur\u00e9es. Parlez \u00e0 un conseiller autoris\u00e9 de RBC Assurances. Il pourra vous expliquer vos options et vous aider \u00e0 prendre des d\u00e9cisions \u00e9clair\u00e9es.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-automobile\/index.html\" data-dig-id=\"LP-Assuranceauto-25943-abfe2c4b\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"button click\" data-dig-label=\"Planifiez un appel-https:\/\/www.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-automobile\/index.html \">Planifiez un appel<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+18668433306\" data-dig-id=\"LP-Assuranceauto-25943-abfe2c4b\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"button click\" data-dig-label=\"Composez le 1 866 843-3306-tel:+18668433306 \">Composez le 1 866 843-3306<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-Assuranceauto-25943-f99683ff\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>Afficher les avis de non-responsabilit\u00e9<\/span><span>Cacher les avis de non-responsabilit\u00e9<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Les renseignements figurant sur cette page sont donn\u00e9s \u00e0 titre d\u2019information seulement. Les descriptions des indemnit\u00e9s d\u2019accident l\u00e9gales contenues dans la pr\u00e9sente page ne fournissent qu\u2019un r\u00e9sum\u00e9 des indemnit\u00e9s d\u2019accident l\u00e9gales pr\u00e9vues par le R\u00e8glement de l\u2019Ontario&nbsp;34\/10. Ne vous fiez pas uniquement \u00e0 ce r\u00e9sum\u00e9. Pour plus de d\u00e9tails, consultez l\u2019annexe sur les indemnit\u00e9s d\u2019accident l\u00e9gales du R\u00e8glement ou adressez-vous \u00e0 votre repr\u00e9sentant d\u2019assurance.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"author":196,"featured_media":0,"template":"templates\/new-rbci-design.php","categories":[40],"rbc_internal_tag":[],"class_list":["post-25943","rbc_landing_page","type-rbc_landing_page","status-publish","hentry","category-assurance-auto"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Modification de l\u2019assurance automobile en Ontario | RBC Assurances<\/title>\n<meta name=\"description\" content=\"\u00c0 compter du 1er juillet 2026, certaines garanties qui \u00e9taient auparavant incluses dans chaque police d\u2019assurance deviendront facultatives, ce qui signifie que vous 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