Protecting You From Others Who Drive Without Insurance

Each province requires that every car driven on a public road be insured. Insurers want to help further protect you from those who continue to drive without insurance. It is for this reason that insurers provide coverage for injuries or damage caused to you or your vehicle by another driver who doesn’t have insurance. The amount of this coverage depends on the province and ranges from none in Alberta, to up to $25,000 in Ontario and as much as $200,000 in Manitoba. Some jurisdictions require that the uninsured motorist be identified.

Talk to your insurance representative for more information about the coverage in your province.

In Ontario: The Uninsured Vehicles (UV) Project

The Uninsured Vehicles (UV) Project is a joint program between the Ontario government’s Ministry of Transportation (MTO) and the insurance industry. The project is aimed at reducing fraud, improving road safety and contributing to fair insurance rates by reducing the number of uninsured vehicles on Ontario’s roads. When this project is rolled out it will provide MTO with an additional electronic tool for enforcing the Compulsory Automobile Insurance Act.

For the industry

Click here to access the UV System log-in.