Core coverage
Record third-party liability, DCPD election, uninsured automobile coverage and mandatory medical/rehab/attendant care.
Optional accident benefits
List each selected optional benefit rather than assuming all quotes include the same package.
Vehicle-damage protection
Compare collision, comprehensive, all perils/specified perils and their deductibles.
Endorsements
Record OPCF 20, 27, 43, 44R or other endorsements.
Total cost
Compare annual premium plus payment charges or fees.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.