Third-party liability
Ontario law requires at least $200,000 in third-party liability coverage.
Statutory accident benefits
After July 1, 2026, standard medical, rehabilitation and attendant-care benefits remain mandatory; many other accident benefits are optional.
Uninsured automobile
Mandatory uninsured-automobile coverage can apply in specified circumstances involving uninsured or unidentified motorists.
DCPD
Direct Compensation–Property Damage is included unless the insured elects in writing not to recover under that coverage.
Optional physical-damage coverage
Collision, comprehensive, specified perils and all perils are additional coverages rather than universal mandatory 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.