@mychoice/mychoice-sdk-modules 2.2.18 → 2.2.20

package/dist/cjs/insurances/car/pages/vehicle/sections/AccidentBenefitsModal.d.ts

@@ -3,5 +3,6 @@ export type AccidentBenefitsModalProps = {
     selectedCoverages: string[];
     onApply: (selected: string[]) => void;
     onCancel: () => void;
+    selectAllByDefault?: boolean;
 };
 export declare const AccidentBenefitsModal: SdkFC<AccidentBenefitsModalProps>;

package/dist/esm/index.js

@@ -756,6 +756,7 @@ const BlockCarConditionInfo = () => {
     const { discountState, dispatchDiscountState } = useStoreFormCarDiscount();
     const { isAlbertaProvince } = useProvince();
     const isTheBig = appType === AppTypes.TheBig;
+    const showPolicyStartOnVehiclePage = isTheBig || isMyChoiceLike(appType);
     const { policyStartYear, policyStartMonth, policyStartDay } = discountState;
     const defaultPolicyStartDate = {
         year: policyStartYear,
@@ -871,7 +872,7 @@ const BlockCarConditionInfo = () => {
                     purchaseMonth || '',
                     purchaseYear || '',
                 ], vehicleState.inValidation), error: vehicleState.inValidation, minDate: year ? `${Number(year) - 1}-01-01` : getFormattedDate('', 'yyyy-MM-dd'), maxDate: getFormattedDate('', 'yyyy-MM-dd') }), !(isAlbertaProvince && isTheBig) && (jsx(SwitchButtonBox, { items: carWinterTiresCheck, onChange: handleWinterTiresChange, name: "winterTires", defaultValue: getSelectedOption(carWinterTiresCheck, winterTires), description: "Snow. Ice. Freezing temperatures. Winter tires protect you from all these winter weather conditions, and more. It also protects your wallet. Investing in winter tires can save you $50 to $100 on your insurance.", title: "Does your car have winter tires?" })), jsx(SelectFormBox, { options: carKeepPlace, name: "parkingLocation", onChange: handleCarParkingLocationChange, defaultValue: getSelectedOption(carKeepPlace, parkingLocation), title: "Where do you keep your car overnight?", placeholder: "Select from the list", description: "For many of us, the answer is \u201Cat home.\u201D If you park your car in various locations throughout the year, then select the most frequently parking spot. Be honest\u2014some insurers will use your overnight parking location to calculate a quote, which could affect your claims in the future.", autoSelectIfValueIsOutOfOptions: false, error: !parkingLocation && vehicleState.inValidation, errorMessage: getErrorMessage(parkingLocation, vehicleState.inValidation) }), jsx(SwitchButtonBox, { items: carUsagePurpose, onChange: handleCarUsageChange, name: "primaryUse", defaultValue: getSelectedOption(carUsagePurpose, primaryUse) || carUsagePurpose[0].value, hintMessage: primaryUseHintMessage, description: "The way you use your vehicle is a primary factor that insurers use in your policy terms and fees, whether it be personal or business.\n                                    \u2022 Personal is driving from work or school to home.\n                                    \u2022 Business considers other uses like sales calls, pick-ups or deliveries, or other business errands.", title: "What do you mainly use your car for?" }), jsx(SelectFormBox, { options: firstDriveDistanceList, name: "distanceDaily", onChange: handleCarDailyDistanceChange, defaultValue: getSelectedOption(firstDriveDistanceList, distanceDaily), title: "How far is your 1-way commute to work or school?", placeholder: "Select", description: "The distance you drive to work or school would be an example of your daily commute. It is one of the most important factors when determining coverage options since it exposes you to traffic each day. The shorter your commute, the less risk you carry of an accident.", autoSelectIfValueIsOutOfOptions: false, error: !distanceDaily && vehicleState.inValidation, errorMessage: getErrorMessage(distanceDaily, vehicleState.inValidation) }), primaryUse === 'business' && (jsx(SelectFormBox, { options: dailyDriveBusinessDistanceList, name: "distanceBusiness", onChange: handleCarBusinessDailyDistanceChange, defaultValue: getSelectedOption(dailyDriveBusinessDistanceList, distanceBusiness), title: "How many kilometers are driven for business use each day?", placeholder: "Select", autoSelectIfValueIsOutOfOptions: false, error: !distanceBusiness && vehicleState.inValidation, errorMessage: getErrorMessage(distanceBusiness, vehicleState.inValidation) })), jsx(SelectFormBox, { options: yearlyDriveDistanceList, name: "distanceYearly", onChange: handleCarYearlyDistanceChange, defaultValue: getSelectedOption(yearlyDriveDistanceList, distanceYearly), title: "How many total kilometers are driven each year?", placeholder: "Select", hintMessage: distanceDaily ? `Based on your daily driven kilometers, we recommend
-                      ${numberWithCommas(getRecommendedRange(distanceDaily, primaryUse === VehiclePrimaryUseTypes.Business ? distanceBusiness : 1))} for your yearly driven kilometers` : '', autoSelectIfValueIsOutOfOptions: false, error: !distanceYearly && vehicleState.inValidation, errorMessage: getErrorMessage(distanceYearly, vehicleState.inValidation) }), isTheBig && (jsx(DateSelectFormBox, { name: "policyStart", dateNames: ['policyStartYear', 'policyStartMonth', 'policyStartDay'], onDateChange: handlePolicyStartDateChange, defaultValue: defaultPolicyStartDate, title: "What is the ideal start date for your new insurance policy?", description: "Select your preferred date for the beginning of your new insurance policy. For instance, you may set the start date for the day that your current insurance expires to ensure that you're continuously covered. Alternatively, select today's date for a quote or new policy.", minDate: addDaysToDate('', 1), maxDate: addDaysToDate('', 90), isDay: true }))] }));
+                      ${numberWithCommas(getRecommendedRange(distanceDaily, primaryUse === VehiclePrimaryUseTypes.Business ? distanceBusiness : 1))} for your yearly driven kilometers` : '', autoSelectIfValueIsOutOfOptions: false, error: !distanceYearly && vehicleState.inValidation, errorMessage: getErrorMessage(distanceYearly, vehicleState.inValidation) }), showPolicyStartOnVehiclePage && (jsx(DateSelectFormBox, { name: "policyStart", dateNames: ['policyStartYear', 'policyStartMonth', 'policyStartDay'], onDateChange: handlePolicyStartDateChange, defaultValue: defaultPolicyStartDate, title: "What is the ideal start date for your new insurance policy?", description: "Select your preferred date for the beginning of your new insurance policy. For instance, you may set the start date for the day that your current insurance expires to ensure that you're continuously covered. Alternatively, select today's date for a quote or new policy.", minDate: addDaysToDate('', 1), maxDate: addDaysToDate('', 90), isDay: true }))] }));
 };
 
 const VehicleSectionMain = () => {
@@ -880,9 +881,13 @@ const VehicleSectionMain = () => {
     return (jsxs("div", { className: `form-section top-section ${mychoiceCls}`, children: [mychoiceCls && jsx("h2", { className: "section-title", children: "Give us the scoop on your four-wheeled friend." }), jsx(BlockCarInfo, {}), jsx(BlockCarConditionInfo, {})] }));
 };
 
-const AccidentBenefitsModal = ({ selectedCoverages, onApply, onCancel, }) => {
-    const [localSelected, setLocalSelected] = useState([...selectedCoverages]);
+const AccidentBenefitsModal = ({ selectedCoverages, onApply, onCancel, selectAllByDefault = false, }) => {
+    const { appConfigState: { appType } } = useStoreAppConfig();
+    const isMyChoice = isMyChoiceLike(appType);
     const allValues = accidentBenefitsOptionalOptions.map((o) => o.value);
+    const [localSelected, setLocalSelected] = useState(selectedCoverages.length > 0
+        ? [...selectedCoverages]
+        : (selectAllByDefault ? [...allValues] : []));
     const allSelected = allValues.every((v) => localSelected.includes(v));
     const handleToggle = (value) => {
         setLocalSelected((prev) => prev.includes(value) ? prev.filter((v) => v !== value) : [...prev, value]);
@@ -895,17 +900,44 @@ const AccidentBenefitsModal = ({ selectedCoverages, onApply, onCancel, }) => {
             setLocalSelected([...allValues]);
         }
     };
-    return (jsx("div", { className: "ab-modal-overlay", onClick: onCancel, children: jsxs("div", { className: "ab-modal", onClick: (e) => e.stopPropagation(), children: [jsxs("div", { className: "ab-modal-header", children: [jsx("h3", { children: "Accident Benefits" }), jsx("p", { className: "ab-modal-subtitle", children: "Standard Coverage + Self-Selected Optional Enhancements" }), jsx("p", { className: "ab-modal-body-text", children: "Base coverage with flexibility to select additional benefits" })] }), jsxs("div", { className: "ab-modal-content", children: [jsxs("div", { className: "ab-modal-standard-block ab-modal-standard-block--included", children: [jsxs("div", { className: "ab-modal-standard-included-header", children: [jsx("input", { type: "checkbox", checked: true, disabled: true, readOnly: true, className: "ab-modal-standard-locked-checkbox" }), jsx("h4", { children: "Standard Benefits \u2014 Included" })] }), jsx("p", { className: "ab-modal-standard-subtitle", children: "Medical, Rehabilitation, and Attendant Care" }), jsx("p", { className: "ab-modal-standard-description", children: "Covers medical expenses, therapy and personal care for injuries from an accident, including doctor visits and physiotherapy." })] }), jsxs("div", { className: "ab-modal-optional-block", children: [jsxs("label", { className: "ab-modal-select-all", children: [jsx("input", { type: "checkbox", checked: allSelected, onChange: handleSelectAll }), jsx("span", { children: "Select All Additional Benefits" })] }), jsx("div", { className: "ab-modal-options", children: accidentBenefitsOptionalOptions.map((option) => (jsxs("label", { className: "ab-modal-option", children: [jsx("input", { type: "checkbox", checked: localSelected.includes(option.value), onChange: () => handleToggle(option.value) }), jsxs("div", { className: "ab-modal-option-text", children: [jsx("strong", { children: option.name }), jsx("span", { children: option.description })] })] }, option.value))) }), jsxs("div", { className: "ab-modal-minimum-notice", children: [jsx("strong", { children: "Minimum Limits Apply" }), jsx("p", { children: "All optional benefits selected below will be quoted at their minimum coverage limits. Please speak with your broker if you wish to discuss higher limits." })] })] })] }), jsxs("div", { className: "ab-modal-actions", children: [jsx("button", { type: "button", className: "ab-modal-btn ab-modal-btn-cancel", onClick: onCancel, children: "Cancel" }), jsx("button", { type: "button", className: "ab-modal-btn ab-modal-btn-apply", onClick: () => onApply(localSelected), children: "Apply" })] })] }) }));
+    return (jsx("div", { className: "ab-modal-overlay", onClick: onCancel, children: jsxs("div", { className: "ab-modal", onClick: (e) => e.stopPropagation(), children: [jsxs("div", { className: "ab-modal-header", children: [jsx("h3", { children: "Accident Benefits" }), jsx("p", { className: "ab-modal-subtitle", children: "Standard Coverage + Self-Selected Optional Enhancements" }), jsx("p", { className: "ab-modal-body-text", children: "Base coverage with flexibility to select additional benefits" })] }), jsxs("div", { className: "ab-modal-content", children: [jsxs("div", { className: "ab-modal-standard-block ab-modal-standard-block--included", children: [jsxs("div", { className: "ab-modal-standard-included-header", children: [jsx("input", { type: "checkbox", checked: true, disabled: true, readOnly: true, className: "ab-modal-standard-locked-checkbox" }), jsx("h4", { children: isMyChoice ? 'All Coverages Included by Default' : 'Standard Benefits — Included' })] }), !isMyChoice && (jsx("p", { className: "ab-modal-standard-subtitle", children: "Medical, Rehabilitation, and Attendant Care" })), jsx("p", { className: "ab-modal-standard-description", children: isMyChoice ? (jsxs(Fragment, { children: ["Our standard quote automatically includes all optional accident benefits at their minimum coverage limits. We strongly recommend keeping all coverages selected to ensure the most complete protection \u2014 opting out could leave you without critical support when you need it most. For example, deselecting Income Replacement means no weekly payments if an injury prevents you from working, and removing Caregiver Replacement leaves no financial support for dependents in your care.", jsx("br", {}), jsx("br", {}), "Please speak with a broker partner to discuss higher limits or learn more about how each benefit protects you."] })) : ('Covers medical expenses, therapy and personal care for injuries from an accident, including doctor visits and physiotherapy.') })] }), jsxs("div", { className: "ab-modal-optional-block", children: [jsxs("label", { className: "ab-modal-select-all", children: [jsx("input", { type: "checkbox", checked: allSelected, onChange: handleSelectAll }), jsx("span", { children: "Select All Additional Benefits" })] }), jsx("div", { className: "ab-modal-options", children: accidentBenefitsOptionalOptions.map((option) => (jsxs("label", { className: "ab-modal-option", children: [jsx("input", { type: "checkbox", checked: localSelected.includes(option.value), onChange: () => handleToggle(option.value) }), jsxs("div", { className: "ab-modal-option-text", children: [jsx("strong", { children: option.name }), jsx("span", { children: option.description })] })] }, option.value))) }), jsxs("div", { className: "ab-modal-minimum-notice", children: [jsx("strong", { children: "Minimum Limits Apply" }), jsx("p", { children: "All optional benefits selected below will be quoted at their minimum coverage limits. Please speak with your broker if you wish to discuss higher limits." })] })] })] }), jsxs("div", { className: "ab-modal-actions", children: [jsx("button", { type: "button", className: "ab-modal-btn ab-modal-btn-cancel", onClick: onCancel, children: "Cancel" }), jsx("button", { type: "button", className: "ab-modal-btn ab-modal-btn-apply", onClick: () => onApply(localSelected), children: "Apply" })] })] }) }));
 };
 
+const allAccidentBenefitsCoverageValues = accidentBenefitsOptionalOptions.map((option) => option.value);
 const VehicleSectionAccidentBenefits = () => {
     const { vehicleState, dispatchVehicleState } = useStoreFormCarVehicle();
     const { accidentbenefits } = vehicleState.items[vehicleState.activeIndex];
     const { appConfigState: { appType }, } = useStoreAppConfig();
-    const mychoiceCls = isMyChoiceLike(appType) ? 'mychoice' : '';
+    const isMyChoice = isMyChoiceLike(appType);
+    const mychoiceCls = isMyChoice ? 'mychoice' : '';
     const { isAbReformActive } = useAbReform();
     const [modalOpen, setModalOpen] = useState(false);
-    if (!isAbReformActive || appType !== AppTypes.TheBig)
+    useEffect(() => {
+        if (!isAbReformActive || !isMyChoice || accidentbenefits.abAcknowledged) {
+            return;
+        }
+        const isUnset = accidentbenefits.baseCoverage === 'minimum_required'
+            && accidentbenefits.additionalCoverages.length === 0;
+        if (!isUnset) {
+            return;
+        }
+        dispatchVehicleState({
+            type: StoreFormCarVehicleActionTypes.FormCarAccidentBenefitsAdditionalCoveragesSet,
+            payload: { additionalCoverages: [...allAccidentBenefitsCoverageValues] },
+        });
+        dispatchVehicleState({
+            type: StoreFormCarVehicleActionTypes.FormCarAccidentBenefitsBaseCoverageSelect,
+            payload: { baseCoverage: 'med_rehab_cat_1m' },
+        });
+    }, [
+        isAbReformActive,
+        isMyChoice,
+        accidentbenefits.abAcknowledged,
+        accidentbenefits.baseCoverage,
+        accidentbenefits.additionalCoverages.length,
+        dispatchVehicleState,
+    ]);
+    if (!isAbReformActive)
         return null;
     const handleApply = (selected) => {
         dispatchVehicleState({
@@ -930,7 +962,13 @@ const VehicleSectionAccidentBenefits = () => {
         setModalOpen(false);
     };
     const hasError = !accidentbenefits.abAcknowledged && vehicleState.inValidation;
-    return (jsxs("div", { id: "abAcknowledged", className: `form-section ab-section ${mychoiceCls}`, children: [jsx(LabelFormBox, { name: "accident-benefits", title: "Accident Benefits" }), jsxs("div", { className: "ab-notice-banner", children: [jsx("strong", { children: "Changes to Your Accident Benefits Selections (Effective July 1, 2026)" }), jsx("p", { children: "As of July 1, 2026, significant changes have been made to the Accident Benefits coverage in Ontario. Many benefits that were previously included are now optional and must be selected based on your individual needs." })] }), jsxs("div", { className: `ab-option-selector${hasError ? ' ab-option-selector--error' : ''}`, role: "button", tabIndex: 0, onClick: () => setModalOpen(true), onKeyDown: (e) => e.key === 'Enter' && setModalOpen(true), children: [jsxs("div", { className: "ab-option-selector-content", children: [jsx("strong", { children: "Standard Mandatory Accident Benefits + Self-Selected Optional Enhancements" }), jsx("p", { children: "Base coverage with flexibility to select additional benefits" }), jsx("p", { className: "ab-option-selector-hint", children: "Selecting this option will open a window displaying all available optional Accident Benefits, which you may individually select based on your needs. Each selected benefit will be quoted at its minimum limit." })] }), jsx("span", { className: "ab-option-selector-arrow", children: "\u203A" })] }), modalOpen && (jsx(AccidentBenefitsModal, { selectedCoverages: accidentbenefits.additionalCoverages, onApply: handleApply, onCancel: () => setModalOpen(false) }))] }));
+    return (jsxs("div", { id: "abAcknowledged", className: `form-section ab-section ${mychoiceCls}`, children: [jsx(LabelFormBox, { name: "accident-benefits", title: "Accident Benefits" }), jsxs("div", { className: "ab-notice-banner", children: [jsx("strong", { children: "Changes to Your Accident Benefits Selections (Effective July 1, 2026)" }), jsx("p", { children: isMyChoice
+                            ? 'As of July 1, 2026, significant changes have been made to the Accident Benefits coverage in Ontario. Many benefits that were previously included are now optional. Our standard quote automatically includes all optional accident benefits at their minimum coverage limits.'
+                            : 'As of July 1, 2026, significant changes have been made to the Accident Benefits coverage in Ontario. Many benefits that were previously included are now optional and must be selected based on your individual needs.' })] }), jsxs("div", { className: `ab-option-selector${hasError ? ' ab-option-selector--error' : ''}`, role: "button", tabIndex: 0, onClick: () => setModalOpen(true), onKeyDown: (e) => e.key === 'Enter' && setModalOpen(true), children: [jsxs("div", { className: "ab-option-selector-content", children: [jsx("strong", { children: isMyChoice
+                                    ? 'Standard Mandatory Accident Benefits + Optional Enhancements'
+                                    : 'Standard Mandatory Accident Benefits + Self-Selected Optional Enhancements' }), jsx("p", { children: isMyChoice
+                                    ? 'Maximum coverage with flexibility to remove additional benefits.'
+                                    : 'Base coverage with flexibility to select additional benefits' }), jsx("p", { className: "ab-option-selector-hint", children: "Selecting this option will open a window displaying all available optional Accident Benefits, which you may individually select based on your needs. Each selected benefit will be quoted at its minimum limit." })] }), jsx("span", { className: "ab-option-selector-arrow", children: "\u203A" })] }), modalOpen && (jsx(AccidentBenefitsModal, { selectedCoverages: accidentbenefits.additionalCoverages, onApply: handleApply, onCancel: () => setModalOpen(false), selectAllByDefault: isMyChoice }))] }));
 };
 
 const VehicleSectionCoverage = () => {
@@ -1457,7 +1495,7 @@ you had insurance. If this is correct, please continue with the form.`);
     };
     return (jsxs("div", { className: `form-section ${mychoiceCls}`, children: [jsxs("div", { className: "box-container", children: [jsx(DateSelectFormBox, { name: "listedYear", dateNames: ['listedYear', 'listedMonth'], onDateChange: handleListedDateChange, defaultValue: defaultListedDate, disabled: !listed, title: `When was ${firstName || driverNameDefault} first listed as a driver on a Canadian or US insurance policy?`, description: "The selection indicates what year the main driver was first listed on a Canadian or US insurance policy. If you do not remember your age, it is acceptable to provide a best estimate for the purposes of the policy or quote.", errorMessage: listed
                             ? getDateErrorMessage(['01', listedMonth, listedYear], driverState.inValidation)
-                            : '', error: driverState.inValidation, hintMessage: hintMessage, minDate: getMinDate(birthDate, firstLicenceAge) }), jsx(CheckboxForm, { name: "listed", label: "Never listed on an insurance policy", onChange: handleListedChange, defaultValue: !listed })] }), listed && (jsxs("div", { className: "box-container", children: [jsx(SelectFormBox, { name: "insuredDate", onChange: handleInsuredPeriodChange, options: getPeriodOptions(listedYear, listedMonth), defaultValue: insuredDate, disabled: !insured, title: `How long has ${firstName || driverNameDefault} been with their current insurance provider?`, description: "It is common for insurers to provide loyalty rewards or discounts for valued customers. Loyalty is a positive trait in the industry, and most insurance companies will want to provide some incentive for continued customer relationships through tangible policy rewards.", errorMessage: insured ? getErrorMessage(insuredDate, driverState.inValidation) : '', error: !insuredDate && driverState.inValidation }), jsx(CheckboxForm, { name: "insured", label: "Not currently insured", onChange: handleInsuredChange, defaultValue: !insured })] })), !isTheBig && (jsx(DateSelectFormBox, { name: "policyStart", dateNames: ['policyStartYear', 'policyStartMonth', 'policyStartDay'], onDateChange: handlePolicyStartDateChange, defaultValue: defaultPolicyStartDate, title: "What is the ideal start date for your new insurance policy?", description: "Select your preferred date for the beginning of your new insurance policy. For instance, you may set the start date for the day that your current insurance expires to ensure that you\u2019re continuously covered. Alternatively, select today's date for a quote or new policy.", errorMessage: getDateErrorMessage([policyStartDay || '', policyStartMonth || '', policyStartYear || ''], driverState.inValidation), error: driverState.inValidation, minDate: addDaysToDate('', 1), maxDate: addDaysToDate('', 60), isDay: true }))] }));
+                            : '', error: driverState.inValidation, hintMessage: hintMessage, minDate: getMinDate(birthDate, firstLicenceAge) }), jsx(CheckboxForm, { name: "listed", label: "Never listed on an insurance policy", onChange: handleListedChange, defaultValue: !listed })] }), listed && (jsxs("div", { className: "box-container", children: [jsx(SelectFormBox, { name: "insuredDate", onChange: handleInsuredPeriodChange, options: getPeriodOptions(listedYear, listedMonth), defaultValue: insuredDate, disabled: !insured, title: `How long has ${firstName || driverNameDefault} been with their current insurance provider?`, description: "It is common for insurers to provide loyalty rewards or discounts for valued customers. Loyalty is a positive trait in the industry, and most insurance companies will want to provide some incentive for continued customer relationships through tangible policy rewards.", errorMessage: insured ? getErrorMessage(insuredDate, driverState.inValidation) : '', error: !insuredDate && driverState.inValidation }), jsx(CheckboxForm, { name: "insured", label: "Not currently insured", onChange: handleInsuredChange, defaultValue: !insured })] })), !isTheBig && !isMyChoiceLike(appType) && (jsx(DateSelectFormBox, { name: "policyStart", dateNames: ['policyStartYear', 'policyStartMonth', 'policyStartDay'], onDateChange: handlePolicyStartDateChange, defaultValue: defaultPolicyStartDate, title: "What is the ideal start date for your new insurance policy?", description: "Select your preferred date for the beginning of your new insurance policy. For instance, you may set the start date for the day that your current insurance expires to ensure that you\u2019re continuously covered. Alternatively, select today's date for a quote or new policy.", errorMessage: getDateErrorMessage([policyStartDay || '', policyStartMonth || '', policyStartYear || ''], driverState.inValidation), error: driverState.inValidation, minDate: addDaysToDate('', 1), maxDate: addDaysToDate('', 60), isDay: true }))] }));
 };
 
 const SectionDriverCancellation = () => {
@@ -2133,12 +2171,18 @@ const SectionQuoteRecalc$1 = () => {
             ? 'Your premium has been recalculated. Your broker has been notified and will contact you to discuss your Accident Benefits selections.'
             : 'Your premium has been recalculated.';
     }
-    return (jsxs("div", { className: "form-container", children: [jsx(TabVehicle, { readOnly: true }), jsxs("div", { className: `form-section edit-recalc-container ${mychoiceCls}`, children: [jsx(SelectFormBox, { options: coverageOptions, name: "comprehensive-coverage", onChange: handleComprehensiveChange, defaultValue: getSelectedOption(coverageOptions, comprehensive.coverage ? comprehensive.deductible : 0), title: "Comprehensive coverage", description: "This deductible is the amount of money that you will pay out of your own pocket if your vehicle is  damaged in events not covered by collision coverage. This includes events such as falling or flying objects, vandalism, and theft. Your insurance company covers the cost of repair minus the deductible chosen.", placeholder: "Select from the list", autoSelectIfValueIsOutOfOptions: false }), jsx(SelectFormBox, { options: coverageOptions, name: "collision-coverage", onChange: handleCollisionChange, defaultValue: getSelectedOption(coverageOptions, collision.coverage ? collision.deductible : 0), title: "Collision coverage", description: "This deductible is the specific dollar amount you will pay out of your own pocket if your vehicle is damaged in an accident. Your insurance company covers the remaining amount.", placeholder: "Select from the list", autoSelectIfValueIsOutOfOptions: false }), jsx(SelectFormBox, { options: liabilityOptions, name: "liability-limit", onChange: handleLiabilityChange, defaultValue: getSelectedOption(liabilityOptions, liability.coverage ? liability.limit : 1000000), title: "Third Party Liability", description: "This protects you from lawsuits resulting from accidents causing bodily injury or death to others or property damage.", placeholder: "Select from the list", autoSelectIfValueIsOutOfOptions: false }), isAbReformActive && isTheBig && (jsxs("div", { className: "accident-benefits-container", children: [jsx(LabelFormBox, { name: "accident-benefits-recalc", title: "Accident Benefits" }), jsxs("div", { className: "ab-notice-banner", children: [jsx("strong", { children: "Changes to Your Accident Benefits Selections (Effective July 1, 2026)" }), jsx("p", { children: "As of July 1, 2026, significant changes have been made to the Accident Benefits coverage in Ontario. Many benefits that were previously included are now optional and must be selected based on your individual needs." })] }), jsxs("div", { className: "ab-option-selector", role: "button", tabIndex: 0, onClick: () => setModalOpen(true), onKeyDown: (event) => event.key === 'Enter' && setModalOpen(true), children: [jsxs("div", { className: "ab-option-selector-content", children: [jsx("strong", { children: "Standard Mandatory Accident Benefits + Self-Selected Optional Enhancements" }), jsx("p", { children: "Base coverage with flexibility to select additional benefits" })] }), jsx("span", { className: "ab-option-selector-arrow", children: "\u203A" })] }), modalOpen && (jsx(AccidentBenefitsModal, { selectedCoverages: accidentbenefits.additionalCoverages, onApply: handleModalApply, onCancel: () => setModalOpen(false) }))] })), isAbReformActive && isTheBig && abPendingRecalc && !isRecalcSubmitted && (jsx("p", { className: "accident-benefits-recalc-pending", children: "Your Accident Benefits selections have been updated. Click Recalculate to update your premium." })), jsx(BlockSubmit$2, { className: `${isTheBig ? 'thebig-bold' : 'mychoice'} recalculate`, label: "Recalculate Quote", buttonSize: SizeTypes.Medium, isRecalc: true, onSubmitClick: () => {
+    return (jsxs("div", { className: "form-container", children: [jsx(TabVehicle, { readOnly: true }), jsxs("div", { className: `form-section edit-recalc-container ${mychoiceCls}`, children: [jsx(SelectFormBox, { options: coverageOptions, name: "comprehensive-coverage", onChange: handleComprehensiveChange, defaultValue: getSelectedOption(coverageOptions, comprehensive.coverage ? comprehensive.deductible : 0), title: "Comprehensive coverage", description: "This deductible is the amount of money that you will pay out of your own pocket if your vehicle is  damaged in events not covered by collision coverage. This includes events such as falling or flying objects, vandalism, and theft. Your insurance company covers the cost of repair minus the deductible chosen.", placeholder: "Select from the list", autoSelectIfValueIsOutOfOptions: false }), jsx(SelectFormBox, { options: coverageOptions, name: "collision-coverage", onChange: handleCollisionChange, defaultValue: getSelectedOption(coverageOptions, collision.coverage ? collision.deductible : 0), title: "Collision coverage", description: "This deductible is the specific dollar amount you will pay out of your own pocket if your vehicle is damaged in an accident. Your insurance company covers the remaining amount.", placeholder: "Select from the list", autoSelectIfValueIsOutOfOptions: false }), jsx(SelectFormBox, { options: liabilityOptions, name: "liability-limit", onChange: handleLiabilityChange, defaultValue: getSelectedOption(liabilityOptions, liability.coverage ? liability.limit : 1000000), title: "Third Party Liability", description: "This protects you from lawsuits resulting from accidents causing bodily injury or death to others or property damage.", placeholder: "Select from the list", autoSelectIfValueIsOutOfOptions: false }), isAbReformActive && (jsxs("div", { className: "accident-benefits-container", children: [jsx(LabelFormBox, { name: "accident-benefits-recalc", title: "Accident Benefits" }), jsxs("div", { className: "ab-notice-banner", children: [jsx("strong", { children: "Changes to Your Accident Benefits Selections (Effective July 1, 2026)" }), jsx("p", { children: mychoiceCls === 'mychoice'
+                                            ? 'As of July 1, 2026, significant changes have been made to the Accident Benefits coverage in Ontario. Many benefits that were previously included are now optional. Our standard quote automatically includes all optional accident benefits at their minimum coverage limits.'
+                                            : 'As of July 1, 2026, significant changes have been made to the Accident Benefits coverage in Ontario. Many benefits that were previously included are now optional and must be selected based on your individual needs.' })] }), jsxs("div", { className: "ab-option-selector", role: "button", tabIndex: 0, onClick: () => setModalOpen(true), onKeyDown: (event) => event.key === 'Enter' && setModalOpen(true), children: [jsxs("div", { className: "ab-option-selector-content", children: [jsx("strong", { children: mychoiceCls === 'mychoice'
+                                                    ? 'Standard Mandatory Accident Benefits + Optional Enhancements'
+                                                    : 'Standard Mandatory Accident Benefits + Self-Selected Optional Enhancements' }), jsx("p", { children: mychoiceCls === 'mychoice'
+                                                    ? 'Maximum coverage with flexibility to remove additional benefits.'
+                                                    : 'Base coverage with flexibility to select additional benefits' })] }), jsx("span", { className: "ab-option-selector-arrow", children: "\u203A" })] }), modalOpen && (jsx(AccidentBenefitsModal, { selectedCoverages: accidentbenefits.additionalCoverages, onApply: handleModalApply, onCancel: () => setModalOpen(false), selectAllByDefault: mychoiceCls === 'mychoice' }))] })), isAbReformActive && abPendingRecalc && !isRecalcSubmitted && (jsx("p", { className: "accident-benefits-recalc-pending", children: "Your Accident Benefits selections have been updated. Click Recalculate to update your premium." })), jsx(BlockSubmit$2, { className: `${isTheBig ? 'thebig-bold' : 'mychoice'} recalculate`, label: "Recalculate Quote", buttonSize: SizeTypes.Medium, isRecalc: true, onSubmitClick: () => {
                             recalcInitiatedRef.current = true;
                             setAbPendingRecalc(false);
                             emitAbPendingRecalc(false);
                             setIsRecalcSubmitted(false);
-                        } }), isAbReformActive && isTheBig && isRecalcSubmitted && (jsx("p", { className: "accident-benefits-recalc-message", children: recalcMessage })), isTheBig ? jsx(BlockEndorsements, {}) : jsx(BlockMCEndorsements, {})] })] }));
+                        } }), isAbReformActive && isRecalcSubmitted && (jsx("p", { className: "accident-benefits-recalc-message", children: recalcMessage })), isTheBig ? jsx(BlockEndorsements, {}) : jsx(BlockMCEndorsements, {})] })] }));
 };
 
 const lockEmoji$1 = '\u{1F512}';
@@ -2226,7 +2270,7 @@ const PageCarQuote = () => {
     const navigate = useNavigate();
     const [recalcFailed, setRecalcFailed] = useState(false);
     const [abPendingRecalc, setAbPendingRecalc] = useState(false);
-    const showAbRecalculateCta = abPendingRecalc && isTheBig;
+    const showAbRecalculateCta = abPendingRecalc && isAbReformActive;
     const shouldGreyOutOffers = recalcFailed && !showAbRecalculateCta;
     const prevRequestDateRef = useRef(undefined);
     const lastSuccessfulItemsRef = useRef(undefined);
@@ -2294,7 +2338,7 @@ const PageCarQuote = () => {
                                             saturdayHours: displayBestItem?.brokerProfile.hoursSaturday,
                                             sundayHours: displayBestItem?.brokerProfile.hoursSunday,
                                             weekdayHours: displayBestItem?.brokerProfile.hoursWorkdays,
-                                        }, phoneNumber: formatPhoneObject(displayBestItem?.brokerProfile.phone ?? ''), redirectUrl: displayBestItem?.brokerProfile.redirectUrl || '', coverages: displayBestItem?.coverages, nonStandardCoverages: displayBestItem?.nonStandardCoverages, brokerIntegration: displayBestItem?.brokerIntegration, showRecalculateCta: showAbRecalculateCta, onRecalculateClick: handleRecalculateClick }) })) : (jsx(SplashScreen$2, {})) })) : (jsx(NoQuotesMessage, { type: "car" })) })), (!hasConfirmStep || appDeviceType !== DeviceTypes.Mobile) && (jsxs(Fragment, { children: [jsx(SectionQuoteEdit$2, {}), (isTheBig || !items[0]?.coverages) && jsx(SectionQuoteRecalc$1, {})] }))] }), appDeviceType !== DeviceTypes.Mobile && quoteState.showCallMessage && jsx(SplashScreen$2, {}), !quoteState.showCallMessage && (jsx(Fragment, { children: jsxs("div", { style: { position: 'relative', width: '100%' }, children: [isAbReformActive && isTheBig && (jsxs("div", { className: "ab-disclaimer", children: [jsx("strong", { children: "Important Disclaimer" }), jsxs("p", { children: ["Due to the changes to the Statutory Accident Benefit Coverage, effective July 1, 2026", ' ', jsx("a", { href: "https://www.fsrao.ca/industry/auto-insurance/changes-statutory-accident-benefits-coverage-ontario-july-1-2026#:~:text=July%201%2C%202026-,Changes%20in%20Statutory%20Accident%20Benefits%20coverage%20in%20Ontario%20on%20July,fits%20their%20needs%20and%20budgets.", target: "_blank", rel: "noreferrer noopener", children: "(Government of Ontario website)" }), ", please consider the individual circumstances for all drivers quoted before making your selections. Speak with your insurance broker if you have questions or need help understanding your options. Your Accident Benefits coverage selections will impact both your quoted premium and the coverage available to drivers on the quote."] })] })), hasConfirmStep && (jsxs(Fragment, { children: [jsx("div", { className: "offer-container", children: jsx(SectionConfirm, {}) }), appDeviceType === DeviceTypes.Mobile && (jsxs(Fragment, { children: [jsx(SectionQuoteEdit$2, {}), (isTheBig || !items[0]?.coverages) && jsx(SectionQuoteRecalc$1, {})] }))] })), jsx("div", { className: `offer-container ${hasConfirmStep ? 'blur' : ''} ${shouldGreyOutOffers ? 'greyed-out' : ''}`, children: !!(items?.length || recalcFailed) ? ((() => {
+                                        }, phoneNumber: formatPhoneObject(displayBestItem?.brokerProfile.phone ?? ''), redirectUrl: displayBestItem?.brokerProfile.redirectUrl || '', coverages: displayBestItem?.coverages, nonStandardCoverages: displayBestItem?.nonStandardCoverages, brokerIntegration: displayBestItem?.brokerIntegration, showRecalculateCta: showAbRecalculateCta, onRecalculateClick: handleRecalculateClick }) })) : (jsx(SplashScreen$2, {})) })) : (jsx(NoQuotesMessage, { type: "car" })) })), (!hasConfirmStep || appDeviceType !== DeviceTypes.Mobile) && (jsxs(Fragment, { children: [jsx(SectionQuoteEdit$2, {}), (isTheBig || !items[0]?.coverages) && jsx(SectionQuoteRecalc$1, {})] }))] }), appDeviceType !== DeviceTypes.Mobile && quoteState.showCallMessage && jsx(SplashScreen$2, {}), !quoteState.showCallMessage && (jsx(Fragment, { children: jsxs("div", { style: { position: 'relative', width: '100%' }, children: [isAbReformActive && (jsxs("div", { className: "ab-disclaimer", children: [jsx("strong", { children: "Important Disclaimer" }), jsxs("p", { children: ["Due to the changes to the Statutory Accident Benefit Coverage, effective July 1, 2026", ' ', jsx("a", { href: "https://www.fsrao.ca/industry/auto-insurance/changes-statutory-accident-benefits-coverage-ontario-july-1-2026#:~:text=July%201%2C%202026-,Changes%20in%20Statutory%20Accident%20Benefits%20coverage%20in%20Ontario%20on%20July,fits%20their%20needs%20and%20budgets.", target: "_blank", rel: "noreferrer noopener", children: "(Government of Ontario website)" }), ", please consider the individual circumstances for all drivers quoted before making your selections. Speak with your insurance broker if you have questions or need help understanding your options. Your Accident Benefits coverage selections will impact both your quoted premium and the coverage available to drivers on the quote."] })] })), hasConfirmStep && (jsxs(Fragment, { children: [jsx("div", { className: "offer-container", children: jsx(SectionConfirm, {}) }), appDeviceType === DeviceTypes.Mobile && (jsxs(Fragment, { children: [jsx(SectionQuoteEdit$2, {}), (isTheBig || !items[0]?.coverages) && jsx(SectionQuoteRecalc$1, {})] }))] })), jsx("div", { className: `offer-container ${hasConfirmStep ? 'blur' : ''} ${shouldGreyOutOffers ? 'greyed-out' : ''}`, children: !!(items?.length || recalcFailed) ? ((() => {
                                     const bestQuote = displayItems?.[0];
                                     const isContactOnlyIntegration = bestQuote?.brokerIntegration?.ux === 'contactonly';
                                     if (isContactOnlyIntegration && bestQuote) {
@@ -2316,7 +2360,7 @@ const PageCarQuote = () => {
                                                 sundayHours: brokerProfile.hoursSunday,
                                                 weekdayHours: brokerProfile.hoursWorkdays,
                                             }, phoneNumber: formatPhoneObject(brokerProfile.phone), redirectUrl: brokerProfile.redirectUrl || '', coverages: coverages, nonStandardCoverages: nonStandardCoverages, brokerIntegration: brokerIntegration, showRecalculateCta: showAbRecalculateCta, onRecalculateClick: handleRecalculateClick })) }, index)));
-                                })()) : (jsx(NoQuotesMessage, { type: "car" })) }), isAbReformActive && isTheBig && (jsx("div", { className: "quote-expiry-disclaimer", children: "The information provided through this quote is for indicative purposes only and is based on the details submitted. Quotes are subject to change, may expire, and are not guaranteed or binding. Final premiums, coverage, and eligibility are determined by the insurer upon full review and underwriting. Please speak with your broker to confirm all details and secure binding coverage." }))] }) }))] })) }));
+                                })()) : (jsx(NoQuotesMessage, { type: "car" })) }), isAbReformActive && (jsx("div", { className: "quote-expiry-disclaimer", children: "The information provided through this quote is for indicative purposes only and is based on the details submitted. Quotes are subject to change, may expire, and are not guaranteed or binding. Final premiums, coverage, and eligibility are determined by the insurer upon full review and underwriting. Please speak with your broker to confirm all details and secure binding coverage." }))] }) }))] })) }));
 };
 
 const IndicatorsContainer = () => jsx(Fragment, {});