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In Ontario, all drivers must carry a minimum amount of insurance. Unfortunately, many people are still found driving without insurance, so uninsured motorist (UM) coverage is mandatory to protect you financially.
Uninsured motorist coverage provides protection if you are involved in an accident with an uninsured or underinsured driver. It is included with your car insurance and works alongside other coverage such as collision, comprehensive, and direct compensation property damage.
When another driver causes an accident but does not have car insurance, uninsured motorist helps with the cost of bodily injuries, property damage, and lost wages. It pays benefits to the driver and passengers, covers repairing or replacing your vehicle, and provides medical costs to help you recover.
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Under Ontario's R.R.O. 1990, Reg. 676 for uninsured automobile coverage, your protection includes:
Yes. In Canada, there are about 8 million registered passenger vehicles, and an estimated 2% of drivers on the road do not have insurance. UM coverage ensures you are protected if you are involved in an accident with a driver who does not have an active policy. Even with the minimum requirement, you may not be protected from all damages caused by an uninsured motorist, which is why it is recommended to increase your limits.
Uninsured motorist coverage is mandatory and included on all active policies. Making it mandatory ensures you have protection if you are involved in an accident with a driver who does not have active or valid Ontario car insurance.
Uninsured drivers have no car insurance at all, not even the minimum required by their province. Underinsured drivers have some insurance, but not enough to cover the potential costs of an accident they cause. Here is how they compare:
| Feature | Uninsured driver | Underinsured driver |
|---|---|---|
| Insurance held | None, not even the legal minimum | Some, but only minimum limits |
| Legal status | Illegal to drive | Legal, but minimally covered |
| Risk to you | They cannot pay for the damage they cause | They may not have enough to cover a serious claim |
If you are involved in an accident with an uninsured driver, call the police to file a report. People who drive without insurance face fines starting at $5,000. Visit your local collision reporting centre and call your insurer to open a claim and notify them you were in an accident.
Since Ontario operates under a no-fault insurance system, you will deal directly with your insurer for the claim.
Find the lowest rates for uninsured motorist protection in just a couple of minutes. It is included in all mandatory policies. Compare rates from the top Ontario providers online or speak with a licensed ThinkInsure broker to save on your auto coverage.
Get startedNo, not all provinces have uninsured motorist protection. Ontario and following provinces offer this type of coverage:
When you get a car insurance quote you can confirm with you advisor exactly what is included in Ontario.
All policies in Ontario have uninsured motorist limits. The minimum limit is $200,000. This may or may not be enough, depending on the type of accident and the damages. Drivers can increase their limits using the Family Protection Endorsement, OPCF 44R, for additional protection up to $2 million.
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Since uninsured motorist protection is included in all Ontario policies, you will be covered. Your car insurance claim will be submitted to your insurer, and you will deal with them directly.
An uninsured motorist involved in an automobile accident will face significant fines and the potential of criminal charges. Damage to their vehicle will not be covered, and they will have to pay out of pocket for repairs. They could also face a lawsuit from the other driver or insurer to seek damages.
Yes. They are two different types of protection. Collision insurance protects you if you are in an accident or hit an object, such as a street sign or tree, while uninsured motorist coverage protects you against drivers who have no insurance.
It could. Even if you are not at fault, your premium could increase after the claim. Your insurer will pay for the damages, but because they cannot recover all the costs from the uninsured driver, your rates could increase.
Yes. You will be required to pay a deductible when filing a claim under your uninsured motorist coverage. The amount depends on your policy.
Yes. Any property damaged or destroyed in an accident caused by a hit and run or uninsured driver will be covered.
Celeste Raymond
2026-08-04 09:10:34
★★★★★
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2026-07-29 15:44:40
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2026-07-08 03:49:25
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Uninsured motorist coverage is mandatory, so the question is how much you carry. Our RIBO licensed advisors can help you decide whether to increase your limit and find you the best rate.
Our advisors help you decide whether the $200,000 minimum is enough or whether to increase your limit with the OPCF 44R endorsement.
We instantly compare coverage and rates from our large selection of Ontario insurance providers to find you the lowest price.
Choose the provider that offers the best coverage and rate for your needs. We often can get you insured with a new automobile policy on the same day.
Call us if you have questions about your uninsured motorist limit, the OPCF 44R endorsement, or what is covered. We often can get you insured the same day.
Uninsured motorist coverage is mandatory, but the $200,000 minimum may not be enough for a serious accident with an uninsured driver. Increasing your limit with the OPCF 44R family protection endorsement, up to $2 million, usually costs little and is worth considering.
Wasim Khan
Insurance Broker (RIBO)
Monday-Friday: 8am-6pm
The information on this page is for general guidance about uninsured motorist coverage in Ontario. Coverage is governed by Ontario's R.R.O. 1990, Reg. 676, and limits and options vary by policy. The statistics and figures here are provided as a reference. For regulatory details on Ontario auto insurance, see the Financial Services Regulatory Authority of Ontario (FSRA). Speak with a ThinkInsure RIBO licensed advisor to confirm what applies to your policy.
Content Marketing Manager
Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.
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