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The law governing accident benefits in Ontario requires you to exhaust any other available insurance prior to accessing the benefits available to you from your auto insurer (statutory accident benefits). The Statutory Accident Benefits Schedule specifically states that payment of a medical, rehabilitative or attendant care benefit is not required for any portion of an expense for which payment is reasonably available under an insurance plan.

http://www.thespec.com/shopping-story/6792023-legal-matters-understanding-your-health-benefits-and-insurance-after-an-automobile-accident/