Ontario primary sources
Sources
This site prioritizes current FSRA and Ontario government sources because the July 2026 reforms materially changed older auto-insurance explanations.
Financial Services Regulatory Authority of Ontario (FSRA)
FSRA consumer auto-insurance hub.
2026 accident-benefit reforms
FSRA: Changes in Statutory Accident Benefits coverage on July 1, 2026 and its consumer fact sheet.
Current standard and optional coverage
What is in a standard policy? and Optional and extra coverage.
Claims and fault
After an Accident: Understanding the Claims Process.
Rates and consumer rights
What determines your auto insurance rate and consumer rights and responsibilities.
Ontario law and forms
O. Reg. 34/10 — Statutory Accident Benefits Schedule and the current OAP 1 Ontario Automobile Policy.