It is quite common for motor vehicle owners in Canada to ignore the details on their insurance policy until such time that they get involved in a traffic accident and they need to file a claim. However, it is important for the car owners to know that benefits for nursing care, medical and rehabilitation costs, income replacement, and housekeeping costs are available through regular Canadian car insurance policies. The insurers are also mandated to inform their policyholders that they can add optional coverages to the typical auto insurance package. When making an insurance claim, it is crucial for the insured person to immediately submit the Application for Accident Benefits after the incident. However, the application must be supported by medical evidence that shows the extent of injuries that have been suffered. It should also be noted that Canadian affordable car insurance rules permit injured drivers to file for compensation as a result of loss of earnings and other costs that are incurred when they get involved in a vehicular accident.