In Ontario, your mandatory coverage includes Direct Compensation – Property Damage (DC-PD). Depending on the extent to which you were found at fault, you may be eligible to receive costs for:
A temporary rental vehicle
Damaged personal contents inside the vehicle
If you were found 50 percent at-fault for your accident, your company will pay 50 percent of any loss, less the deductible.
If any other vehicle in the accident was uninsured, you can make a claim under the mandatory Uninsured Motorist Coverage of your policy.
When you make a claim, your insurance company will pay the lower of the two options:
The cost to repair the loss or damage
The "actual cash value" of your vehicle at the time it was damaged
Your insurance company will not pay more to repair your vehicle than its actual cash value
When you file a claim, you may be responsible for a deductible (the amount of the claim you will have to pay). You can expect to pay your full deductible unless the accident was not your fault or was only partially your fault.
In Ontario, Statutory Accident Benefits Coverages are provided by law under every auto insurance policy. These benefits provide compensation regardless of fault if you, your passengers or pedestrians are injured, or die as the result of your accident.
If you are injured in an auto accident, you may be entitled to the following benefits:
Income replacement: replaces job income you cannot earn while recovering
Caregiver: provides compensation if you are required to leave work to care for an injured member of your household
Non-earner: provides compensation if you are completely unable to carry on a normal life, and do not qualify for an income replacement or caregiver benefit
Medical: pays for medical expenses incurred through your injury
Rehabilitation: pays costs incurred during rehabilitation
Attendant Care: pays some of the costs of an aide or attendant
Compensation for Other Expenses: may pay for the cost of family visits during treatment or recovery, some housekeeping and home maintenance, the repair or replacement of some items lost or damaged in the accident or lost educational expenses.
If you die as a result of the accident, members of your family may also be entitled to the following benefits:
Death: pays money to members of your family
Funeral: pays for some funeral expenses
In some cases, your insurance company may deny payment of Income Replacement, Non-earner and Compensation for other expenses. Cases include:
Driving without valid insurance
Driving without a valid driver's licence
Driving while specifically excluded from driving under your insurance policy
Driving a vehicle without the owner’s consent
Cases of fraud
Driving a vehicle while committing a crime (whether or not the crime is related to the operation of the vehicle)