Yes. In Ontario, you are required to have third-party liability coverage for your vehicle. This type of coverage protects you from the expenses associated with damage or bodily harm accidentally caused by you upon someone else (a third party). Our expert car insurance brokers recommend a $2,000,000 liability limit. Legal fees are especially easy to rack up should you ever be involved in a complicated claim, and this type of coverage protects you from unforeseen legal costs.