What Auto Insurance Coverage is in a Standard Ontario Insurance Policy?
Auto insurance in Ontario Canada is regulated by the provincial government. These regulations govern what is standard under an Ontario auto insurance policy. Mandatory auto insurance are as follows:
Third-party liability – Protects you if someone else is killed or injured or their property is damaged. It will pay for legitimate claims against you up to the limit of your coverage and will pay the cost of settling such claims.
Statutory accident benefit – Provides benefits if you are injured in an auto accident regardless of who caused the accident and can include:
Supplementary medical care, rehabilitee and attendant care.
A tax free income benefit for wager earners or self employed persons.
An allowance to those who have no income from employment.
An allowance when a caregiver is injured
Funeral expenses and death benefits when a person dies in an accident.
Direct Compensation Property Damage (also known as no-fault insurance) Under certain conditions, DCPD coverage protects you in Ontario for damage to your auto mobile and to property it is carrying when another motorist is responsible.
Uninsured automobile insurance- Protects you if you are injured or killed by an uninsured motorist or a hit and run driver. This coverage also protects your vehicle when damaged by an identified uninsured motorist.
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