Car insurance coverage in Ontario is mandatory and requires all drivers to have a minimum level of insurance, which includes liability, accident benefits, and direct compensation. Liability coverage protects against damages to other people or property if you’re at fault in an accident. Accident benefits provide compensation for medical expenses, lost wages, and rehabilitation regardless of fault. Direct compensation coverage helps pay for damages to your vehicle when the other driver is at fault. Ontario also offers optional coverage options like collision, comprehensive, and all-perils insurance to cover damages from accidents, theft, or natural disasters. It’s important to understand that Ontario uses a no-fault insurance system, meaning each driver claims from their own insurance policy for personal injuries and damages. Rates can vary based on factors like driving record, car type, and location. Choosing the right policy depends on your needs, driving habits, and budget.
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