It is optional
Ontario drivers choose whether to buy it.
It can matter when DCPD does not apply
FSRA notes that collision may respond in some circumstances where DCPD conditions are not met, depending on the policy.
Deductible affects cost sharing
A higher deductible generally shifts more of a covered loss to the policyholder.
Vehicle value matters
Replacement cost, financing/lease requirements and the vehicle's value can all affect the decision to carry physical-damage coverage.
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.