Updated: Mar 14
Legally Required Coverages
Protects you when someone is injured or killed, or property is damaged. Pays defense costs to settle claims from any lawsuits against you, up to the set limit. Legally in Ontario, you must carry at least $200,000 in liability.
Accident benefits help cover any medical expenses that exceed what OHIP and group health insurance plans are able to pay. Accident benefits apply if you are injured in an automobile accident, regardless of who caused it. Additionally, you are covered if you are injured in an automobile accident as a passenger or as a pedestrian that is struck by a vehicle.
Direct Compensation Property Damage
Covers damages to your vehicle resulting from an accident that is NOT your fault.
Protects you and your family if you’re injured or killed by a hit-and-run driver or an uninsured motorist and covers damage to your vehicle caused by identified, uninsured drivers.
Physical Damage Coverages