Ontario Auto Insurance Coverage Options Guide

This guide outlines the new auto insurance choices available in Ontario, effective July 1, 2026. The Ontario Government has introduced regulations that allow policyholders to customize their accident benefits coverage according to their individual needs. It details the mandatory coverages required by law, including third-party liability, specified accident benefits, and uninsured automobile coverage. The document also presents various optional coverages that can enhance protection, such as direct compensation property damage and collision coverage. Furthermore, it explains the different types of accident benefits that can be tailored, including income replacement, caregiver benefits, and funeral benefits. The guide emphasizes the importance of reviewing personal circumstances and consulting with a Gallagher Broker to make informed decisions about insurance coverage. It also highlights the need for adequate protection for all drivers listed on the policy and encourages policyholders to consider their unique situations when selecting coverage options.