What Is Included In A Standard Ontario Auto Policy?

There are many enhancements that can be added to auto policies, but all drivers in Ontario are required to carry at least:

Third-Party Liability Coverage protects you if someone else is killed or injured, or their property is damaged. It will pay claims as a result of lawsuits against you up to the limit of your coverage & will pay the costs of settling the claims. By law you must carry a minimum amount of Third-Party Liability coverage. McClelland Insurance Brokers strongly encourages all of our customers to carry at least 1 million in third-party liability coverage, although lower limits are available.

Statutory Accident Benefits Coverage provides you with benefits if you are injured in an automobile accident, regardless of who caused the accident including supplementary medical, rehabilitation, attendant care, caregiver, non-earner & income replacement.

Direct Compensation – Property Damage (DC-PD) Coverage covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, to the extent that another person was at fault for the accident. It is called direct compensation, because even though someone else causes the damage, you collect directly from your own insurance company.

Coverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met:

  •  the accident took place in Ontario
  • there was at least one other vehicle involved
  • at least one of the other vehicles is also insured by an insurance company that is licensed in Ontario

Uninsured Automobile Coverage protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified driver.​