Ontario Auto Insurance Coverage
Standard policy, liability, DCPD, uninsured automobile, physical-damage coverage and common OPCF endorsements.
What is in a standard Ontario auto insurance policy?
Ontario's standard owner policy combines mandatory liability, accident-benefit and uninsured-automobile protection, plus DCPD unless the insured elects in writing not to recover under it.
Third-party liability coverage in Ontario
Third-party liability may respond when an insured is legally responsible for injury, death or property damage to someone else, up to the policy limit.
Direct Compensation–Property Damage (DCPD) in Ontario
DCPD generally lets an Ontario insured claim qualifying not-at-fault property damage directly from their own insurer.
Uninsured automobile coverage in Ontario
Ontario's standard policy includes uninsured-automobile coverage for specified injury/death and property-damage situations involving uninsured or unidentified motorists.
Collision or upset coverage in Ontario
Collision or upset coverage can pay for insured vehicle damage caused by collision with another object or by the vehicle tipping over, subject to deductible and exclusions.
Comprehensive coverage in Ontario
Comprehensive generally covers specified non-collision losses such as theft, vandalism and certain weather-related or falling-object losses, subject to policy wording.
Specified perils vs all perils in Ontario
Specified perils covers only named causes of loss, while all perils combines collision and comprehensive-style protection and adds certain theft situations.
Ontario Policy Change Forms (OPCF) explained
OPCF endorsements change or add coverage to the standard Ontario Automobile Policy.
Rental car insurance and OPCF 27 in Ontario
Ontario drivers may have some non-owned automobile coverage through an OPCF 27 endorsement, credit-card benefit or rental-company product, but these are not interchangeable.
Non-owner and occasional-driving insurance questions in Ontario
People who do not own a vehicle may still need to understand how they are insured when driving borrowed, rented or household vehicles.
Ontario auto-insurance deductibles explained
A deductible is the portion of a covered loss the insured is responsible for before or as part of the insurer's payment.