jansenray2
15 posts
Apr 20, 2025
5:36 AM
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In auto insurance ontario canada drivers are legally required to carry a minimum level of auto insurance coverage. The mandatory components include Third-Party Liability Coverage, which provides protection if you're held responsible for injuring someone or damaging their property (minimum required is $200,000, though most drivers opt for higher limits); Statutory Accident Benefits Coverage, which offers medical, rehabilitation, and income replacement benefits regardless of who is at fault in an accident; Direct Compensation – Property Damage (DCPD), which covers damage to your vehicle and contents if you're not at fault in a collision with another insured Ontario driver; and Uninsured Automobile Coverage, which protects you if you're injured or your vehicle is damaged by an uninsured driver or in a hit-and-run. While these are the basic legal requirements, many drivers choose to add optional coverages such as collision and comprehensive insurance for greater protection.
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