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Is Uninsured Motorist Mandatory In Ontario? Uninsured motorist is mandatory and is included on all active policies. Making it mandatory ensures you have protection if you are involved in an accident with an a driver who does not have active or valid Ontario car insurance.
OPCF 44, 44R is not mandatory in Ontario. It is optional protection drivers can purchase and add to their plan.
The provinces offering DCPD insurance are Ontario, Quebec, Newfoundland, New Brunswick, PEI, Nova Scotia, and Alberta as of January 2022.
ONTARIO. DRIVER'S. POLICY. (O.P.F. 2) Approved by the Superintendent of Financial Services for use as the Driver's Automobile Policy on or after September 1, 2010.
Bodily injury includes any injury to a third party, like a customer or client, that happens at your business. For example, if a customer enters your flower shop, slips on your wet floor and breaks their leg, your general liability insurance can help cover the cost of their medical bills.

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This endorsement covers damage to a vehicle you do not own only if you have an at-fault accident. A not at-fault accident will be covered under the vehicle owner's insurance.
An Ontario Policy Change Form (OPCF) or endorsement, is an optional provision that allows you to alter the amount of auto coverage in certain situations. You can add, reduce, or change the amounts on your existing policy, ensuring you have the Ontario car insurance you need to meet your driving requirements.
(OPCF20) Loss of Vehicle Use This endorsement covers the cost of a rental vehicle while your vehicle is being replaced or repaired, if the damage or loss is caused by a peril for which you are insured.
Comprehensive excluding collision or upset coverage (Chapter B3) This section covers you against damages to your vehicle other than collision or upset damage, such as broken windows, theft, fire, lightning, vandalism and other specified perils.
Yes, drivers in Ontario are legally required to have a minimum of $200,000 of third party liability car insurance coverage. Getting caught driving without third party liability car insurance can lead to serious consequences, such as fines and increased car insurance rates.

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