Ontario · updated after July 1, 2026 reform
Ontario auto insurance explained for the rules that apply now—not the rules from last year
Understand the standard policy, the 2026 accident-benefit changes, DCPD, liability, optional coverages, rates, discounts, claims and renewals without treating one insurance choice as right for every driver.
Mandatory coreliability · medical/rehab/attendant care · uninsured auto
Check carefullyDCPD election · optional accident benefits · deductibles
Optional add-onscollision · comprehensive · OPCF endorsements
Claimsown insurer · fault rules · benefit selections · records
Important 2026 update: Ontario's accident-benefit structure changed July 1, 2026. Older articles that describe income replacement, caregiver, housekeeping, death/funeral and several other benefits as automatically standard can now be misleading for new policies. This rebuild is organized around the post-reform system.
Canada-focused rebuildOntario rules, Ontario policy forms and Ontario regulator sources
The old site had more than 90 repetitive articles about discounts, quotes, deductibles and coverage. The new version consolidates those into focused evergreen guides and gives the 2026 reforms the prominence they now require.