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auto insurance ontario canada is legally required for all drivers, and there are several mandatory coverage components that every policy must include. These are: Third-Party Liability, which covers you if you're held responsible for injury or damage to someone else or their property (minimum coverage is $200,000, but most drivers opt for at least $1 million); Statutory Accident Benefits, which provide medical care, income replacement, and other benefits if you’re injured in a collision, regardless of who is at fault; Direct Compensation – Property Damage (DCPD), which allows you to claim for damage to your vehicle and its contents from your own insurer when another driver is at fault and also insured in Ontario; and Uninsured Automobile Coverage, which protects you if you're involved in a crash with an uninsured or unidentified (hit-and-run) driver. While these are the minimum legal requirements, many drivers choose to add optional coverages such as collision or comprehensive insurance for broader protection.
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