Ontario automobile application 2025

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The document is the Ontario Application for Automobile Insurance (Owner's Form OAF 1), which outlines the necessary information and coverage options for obtaining automobile insurance in Ontario. It details mandatory coverages such as Liability, Accident Benefits, Uninsured Automobile, and Direct Compensation – Property Damage, along with optional benefits that can be purchased. The application requires personal information from the applicant, details about the vehicle(s), driver information, previous accidents or claims, and a declaration of understanding regarding the insurance terms. It emphasizes the importance of accuracy in the application and provides warnings about misrepresentation.

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Is automobile insurance mandatory in Ontario?

In Ontario, all motorists are legally required to have auto insurance.

What happens if I crash my parents car?

Most auto insurance policies automatically cover anyone living in the primary drivers household. For instance, if you are a licensed driver and you were driving your spouses or parents car at the time of the accident, you are likely covered under the policy on the vehicle.

Do I have to insure my son to drive my car?

Yes, your son can drive your car with your permission, even if he is not insured. It is known as permissive use and is generally allowed by insurance companies. Check your auto insurance policy to see if it allows for occasional or permissive use by family members.

Can you drive your parents car without being on the insurance in Ontario?

As long as the vehicle has proper insurance, the owners give permission, and the driver has a proper licence then the vehicle will be covered. However, if you live with your parents, the insurance needs to know of every person who lives in the household who has a license.

Do you need insurance before registering a car in Ontario?

Auto insurance its the law! Ontario has compulsory automobile insurance. This means every vehicle registered in the province must be insured. You must show proof that you have insurance coverage before you can register a vehicle or renew your registration.

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What is the deductible for uninsured motorist in Ontario?

Uninsured Automobile Provides coverage if you or other insured persons are injured or killed by an uninsured motorist or by an unidentified (e.g. hit-and-run) driver. It also covers damage to your automobile and its contents caused by an identified, uninsured motorist, subject to a $300 deductible.

Can I drive my parents car if my name isn t on the insurance?

As long as their insurance covers them for other licensed drivers borrowing their car (most policies do), its legal. However, and this is important, if you live with them and youre not listed on their policy as a regular driver, the insurance company may deny the claim if you are involved in a collision.

Can my son drive my car if he is not insured in Ontario?

Hi! Insurance broker here. No you wouldnt get a fine. In Ontario the vehicle needs to be insured so technically your parents are meeting the legal requirements. However, they need to tell your insurance company that you have your G2.

Ontario automobile application 2025

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Is automobile insurance mandatory in Ontario?

What happens if I crash my parents car?

Do I have to insure my son to drive my car?

Can you drive your parents car without being on the insurance in Ontario?

Do you need insurance before registering a car in Ontario?

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People also ask

What is the deductible for uninsured motorist in Ontario?

Can I drive my parents car if my name isn t on the insurance?

Can my son drive my car if he is not insured in Ontario?

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