Ontario Mandatory Coverage To drive in Ontario, you must secure coverage through a private insurer that meets the minimum provincial regulations. In the province, $200,000 in third-party liability coverage is mandatory. The chart below provides a summary of minimum coverages required by the Ontario government. Please refer to the list of sources for more details.This information is for educational purposes only. We recommend you consult a qualified insurance professional for further assistance. As of January 1, 2020Compulsory minimum third-party liability:$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000Direct Compensation Property Damage (DCPD) Required:YesMedical payments:Up to $3,500/person for minor injury; up to $65,000/person for combined medical and attendant care for non-minor and non-catastrophic injury for up to 5 years (longer for children; paid only as long as person remains medically eligible); up to $1 million for combined medical and attendant care for catastrophic injuryFuneral expense benefits:$6,000 (if optional indexation coverage is purchased, this amount may be higher)Disability income benefits:Income replacement benefit: 70% of gross wages to maximum $400/week, minimum $185/week for 104 weeks (longer if victim is unable to pursue any suitable occupation); nothing is payable for the first seven days of disability. Non-earner benefit (disabled unemployed persons, students enrolled in education full time, or students who completed their education less than one year before the accident and are not employed): $185/week for 104 weeks; four-week wait; limit two years; Not available if the insured is eligible for, and elects to receive, the income replacement or caregiver benefitDeath benefits:Death within 180 days of accident (or three years if continuously disabled prior to death); $25,000 to spouse, $10,000 to each surviving dependant, $10,000 to each parent/guardian (if optional indexation coverage is purchased, these amounts may be higher)Impairment benefits:N/ARight to sue for pain and suffering?Yes, if injury meets severity test (called "threshold"), and subject to deductible. Lawsuit allowed only if injured person dies or sustains permanent and serious disfigurement and/or impairment of important physical, mental or psychological function. The court assesses damages and deducts $39,556 ($19,778 for a Family Law Act claim)Right to sue for economic loss in excess of no-fault benefits?Yes. Income replacement award above no-fault benefit is based on net income after deductions for income tax, Canada Pension and Employment Insurance. Injured person may sue for 70% of net income loss before trial, 100% of gross after trial; also for medical, rehabilitation and related costs when injury meets severity test for pain and suffering claimsAdministration:Private insurersSources: All online sources were accessed on March 1, 2020.Ontario Automobile Policy, effective April 1, 2019Statutory Accident Benefits Schedule (SABS), Insurance Act, O. Reg. 34/10Financial Service Regulatory Authority of Ontario, Superintendent’s and Commissioner's Guidelines - Auto InsuranceFinancial Services Commission of Ontario - Auto BulletinsOn April 11, 2017 the Ontario government released a report on auto insurance, which recommends a major overhaul of the current system.Fair Benefits Fairly Delivered: A Review of the Auto Insurance System in Ontario (by David Marshall) Studies about the auto insurance system in Ontario:The Design of Auto Insurance Systems: Research and Implications for Ontario, 2012 (by Sharon Tennyson, Mary Kelly and Anne Kleffner)Does Ontario Need a New Auto Insurance System? Car Insurance Q & AIf you own or drive a car in Alberta, by law, you must buy insurance coverage from a private insurer. A no-fault and tort-based system is used to set out accident benefits and the right to sue in specified situations. All about Auto Insurance If you own or drive a car in Alberta, by law, you must buy insurance coverage from a private insurer. A no-fault and tort-based system is used to set out accident benefits and the right to sue in specified situations. Useful LinksFACTS of the Property & Casualty Insurance IndustryThe FACTS of the Property & Casualty Insurance Industry is published by Insurance Bureau of Canada (IBC), the trade association representing Canada’s private property and casualty (P&C) insurance companies. IBC has published FACTS since 1972 to provide a snapshot of the state of the P&C insurance industry. Buying Auto InsuranceKnow how insurance premiums are calculated, where to turn for insurance if you are a higher-risk driver and what additional auto insurance coverage is available. Insurance Premium AllocationThe premiums of many policyholders pay the claims of the few who suffer a claim. Insurers put premiums toward a mix of claims costs, investments and operational expenses. Types of CoverageCollision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country Canadian Loss Experience Automobile Rating (CLEAR)Collision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country. Facility AssociationFacility Association’s mission is to administer the automobile insurance residual markets, enhance market stability, and guarantee the availability of automobile insurance to those eligible to obtain it.