In Ontario, car insurance includes Third-party liability coverage which provides financial protection in case you are held legally responsible for causing injury to someone else or damaging their property with your vehicle. This coverage assists in paying for legal expenses, medical expenses, and property damage that others may incur as a result of an accident where you are at fault. The government sets the minimum required levels of third-party liability coverage in Ontario, as is the case in many other locations. However, drivers have the option to purchase additional coverage for enhanced protection.