Your insurance company is responsible for providing you with the insurance coverage summarized on your Certificate of Automobile Insurance, and for which you pay a premium. Your Certificate of Automobile Insurance:

• lists the vehicles that are insured and the coverages purchased,
• lists the names of the regular operators of the insured vehicles,
• provides a description of how you were rated for the premiums charged, and
• indicates the period during which you are covered by insurance.

It is important that you read this certificate. You only have insurance coverage for a vehicle if your Certificate of Automobile Insurance shows a premium for that vehicle or shows that the coverage is provided at no cost.

What's In Your Auto Insurance Policy

If you own a vehicle in Ontario, you are required to purchase, at the very least, the following automobile insurance coverage:

Third-Party Liability
Coverage: This section of your automobile insurance policy protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs of settling the claims. By law, you must carry a minimum of $200,000 in Third-Party Liability coverage.

Statutory Accident Benefits
Coverage: This section of your automobile insurance policy provides you with benefits, including supplementary medical, rehabilitation, attendant care, caregiver, non-earner, and income replacement benefits, if you are injured in an automobile accident, regardless of who caused the accident.

Direct Compensation - Property Damage (DC-PD)
Coverage: This section of your automobile insurance policy covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, to the extent that another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer, instead of the person who caused the damage.

Note: Coverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met:

• The accident took place in Ontario.
• There was at least one other vehicle involved in the accident.
• At least one of the other vehicles was also insured by an insurance company that is licensed in Ontario or has signed a special agreement with FSCO to provide this coverage.

If these conditions are not met, then you can make a claim on your optional Collision coverage (if you have it), whether or not you are at fault. If you don’t have Collision coverage, you may be able to pursue recovery from the at-fault driver to the extent you were not at fault for the accident.

Uninsured Automobile
Coverage: Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver.