With motorcycle crashes and deaths climbing across Ontario, major changes coming to auto and motorcycle insurance could dramatically affect riders’ protection. According to Ontario Provincial Police data, motorcycle fatalities reached a 20-year high in 2024 with 57 deaths, and the troubling trend has continued through 2025.
Brian and Debbie Haynes of MacTier understand the consequences all too well. The couple loved weekend rides through the countryside — until a collision in July left both of them without their lower left legs. They spent two months in hospital and say recovery has been slow and painful. Debbie describes the surreal and difficult process of adjusting: “You do feel like it’s there. You have to remind yourself that it’s not.”
They were fortunate to have insurance that covered treatment and rehabilitation, but Brian admits he hadn’t fully understood his policy until disaster struck. “I kind of just wanted the insurance for the bike so we could get on it and go,” he said.
Beginning July 2026, riders like the Haynes may face new risks if they don’t pay close attention. Ontario is changing the way drivers and motorcyclists purchase insurance, shifting many previously mandatory benefits into optional add-ons. Personal injury lawyer Nainesh Kotak warns that motorcyclists will now have to explicitly opt in to crucial supports such as income replacement, attendant care, and death and funeral benefits.
“If they don’t, they may not have the coverage they think they do,” Kotak said. “I would encourage motorcyclists — who are vulnerable members of the road — to purchase those benefits. It won’t cost much, and it will ensure you have adequate protections.”
Kotak also noted that most motorcycle crashes are not the rider’s fault but result from inattentive drivers — another reason why proper coverage is essential.
As winter arrives and motorcycles are stored away, experts urge riders to review their policies carefully before the next riding season begins. For Brian and Debbie, the outpouring of support from the motorcycle community has been one bright spot after their life-changing crash. They hope other riders will stay safe and stay covered.
“We don’t want to take away from motorcycle riding,” Brian said. “People we met on the road reached out to help us. They’re good people. We just want others to protect themselves.”