Ontario’s standard automobile policy (OAP 1) comprises multiple distinct coverage sections. Most Ontario drivers have never read their policy and discover its limitations only after an accident. Understanding what each section provides — and does not provide — is essential preparation for any Ontario driver.
Third-party liability (TPL) coverage protects you when your negligence causes injury or property damage to others. Ontario mandates a minimum of $200,000 in TPL coverage — dangerously low for any serious injury claim. The Insurance Bureau of Canada and virtually every personal injury lawyer recommend a minimum of $1 million; $2 million is advisable for claimants with assets worth protecting.
DCPD coverage allows you to claim vehicle repair and certain losses directly from your own insurer when another Ontario driver causes the accident. DCPD applies only when the other vehicle is identified and insured in Ontario and when the accident occurs in Ontario.
The OPCF 44R Family Protection Endorsement: This optional coverage tops up your recovery when the at-fault driver’s TPL limits are insufficient. If the at-fault driver carries only $200,000 and your damages are $800,000, OPCF 44R covers the gap up to your own liability limits. Every Ontario driver should carry this endorsement.
Every Ontario auto policy includes mandatory accident benefits coverage providing the SABS entitlements described elsewhere in these articles. The policy must include standard coverage — and optionally enhanced coverage — for income replacement, medical and rehabilitation, attendant care, and other benefits. These are claimed from your own insurer regardless of who caused the accident.