Blog Uninsured Motorist Protection

Jul 6, 2020

Understanding Uninsured Motorist Coverage in Ontario

white car and white truck in an accident

In Ontario, all drivers must carry a minimum amount of insurance. Unfortunately, there are still many people who can be found driving without insurance. For this reason, it is mandatory to have uninsured motorist (UM) to protect you financially.

In this blog we will define what this type of protection is and explain how it fits with several other types of insurance including collision, comprehensive, and direct compensation property damage policies. Some of these legal requirements, while others are additional levels of protection.

What Is Uninsured Motorist Coverage?

Uninsured motorist provides drivers with protection if they are involved in an accident with an uninsured or underinsured driver. It is included with car insurance quotes.

When another driver causes an accident but doesn't have an active policy to cover it, UM will help with the costs towards bodily injuries, properly damage, or lost wages. It will pay benefits to the driver and passengers involved. It will also cover the cost of repairing or replacing your vehicle and provide you with medical costs to recover from injury due to the accident.

Uninsured Motorist Protection Definition

The FSCO regulations document describes what is covered :

  • Protects you if you are injured or killed by an UM or by a hit and run.
  • Covers damage to your automobile caused by an identified UM.
  • If you are hit by an UM while riding a bike or walking.
  • When a UM is deemed responsible for an at-fault accident.

Is Uninsured Motorist Necessary?

Yes. In Canada, there are about 8 million registered passenger vehicles and an estimated 2% of all drivers on the road in Canada do not have it. UM policies ensures you are covered if you are involved in an accident with a driver who does not have an active policy.

However, even with minimum requirements, you may not be protected for all damages caused by a UM. This is why it’s recommended to increase your limits.

Is Uninsured Motorist Mandatory In Ontario?

dent on the side of a vehicle

Uninsured motorist is mandatory and is included on all active policies. Making it mandatory ensures you have protection if you are involved in an accident with an a driver who does not have active or valid Ontario car insurance.

What Do I Do If I Am Hit By An Uninsured Driver?

If you are involved in an accident with an uninsured driver, call the police to file a report. It’s illegal to drive without it. 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.

Is Uninsured Motorist In Ontario The Same As Other Provinces?

No. Not all provinces have UM protection. The following provinces offer do offer this type of protection: :

  • British Columbia
  • Newfoundland and Labrador
  • New Brunswick
  • Prince Edward Island
  • Nova Scotia

When you inquire to insurers car insurance, you'll be able to confirm what exactly is included.

How Much Uninsured Motorist Do I Need?

All policies in Ontario have UM limits. The minimum limit is $200,000. This may or may not be enough, depending on the type of accident and damages. Drivers have the option to increase limits by using the Family Protection Endorsement, OPCF 44R, where you can get additional protection up to $2 million.

Uninsured Motorist FAQs

Since uninsured motorist protection is included in all policies in Ontario, you will be covered. Your car insurance claim will be submitted to your insurer, and you will deal with them directly.

Yes. You can never predict the actions of other drivers. You do not have control over whether or not other drivers choose to drive with without it. This ensures you have protection for people inside the vehicle and damaged property.

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 to repair damages. Drivers that don't a active auto policy could also face a lawsuit from the other driver or insurer to seek damages.

Yes. They are two different types of protection for drivers. Collision insurance provides you with protection if you are involved in an accident or hit an object, such as a street sign, tree, etc.

It could. Even if you are not at-fault, your premium could increase after the claim. Your insurer will pay for the damages, but since they cannot recover all the costs from the uninsured driver protection, your rates could increase.

Yes. You will be required to pay a deductible when filing a claim under your UM. The amount you pay will depend on your insurance.

Yes. Any property damaged or destroyed due to an accident caused by a hit and run or uninsured driver will be covered.

Increase Your Uninsured Motorist Protection

Want to learn more about your options for increasing UM limits? Contact our experts to explore your options. Call us at 1-855-550-5515.