All Ontario drivers must carry the following coverages:
Third Party Liability coverage (minimum $200,000 if you’re at fault for someone else’s losses, although most drivers opt for at least $1 million);
Accident Benefits coverage (to pay for treatment, income replacement and other benefits if you’re injured, regardless of fault);
Uninsured Automobile coverage (to pay for your injuries and damage to your car if you’re the victim of a hit-and-run, or if the at-fault driver has no insurance); and
Direct Compensation-Property Damage coverage (to fix your car if someone else is at fault for an accident).