Blog What Is Uninsured Motorist Coverage?

Jul 6, 2020

Uninsured Automobile Coverage In Ontario

uninsured motorist coverage

Car insurance is mandatory in Ontario. All drivers are required to carry a minimum amount of insurance coverage. Unfortunately, there are still many people driving without insurance in Ontario. For this reason, you need uninsured motorist insurance coverage.

In this blog we will define uninsured motorist coverage and explain how it fits with other types of auto insurance such as collision, comprehensive, and direct compensation property damage coverage.

What Is Uninsured Motorist Coverage?

Uninsured automobile insurance provides drivers with protection if they were involved in an auto accident with an uninsured motorist or a hit and run driver. The coverage is included as part of your mandatory car insurance in Ontario.

Uninsured motorist coverage will pay benefits to the driver and passengers involved in the accident. It will cover the cost to repair or replace your vehicle and provide you with medical costs to recover from injury as a result of an accident with an uninsured driver.

Uninsured Motorist Protection Definition

As outlined in your Ontario Automobile Policy (OAP 1) and the Insurance Act (Ontario), uninsured motorist protection extends coverage if someone is injured to killed in an accident with an uninsured driver or in a hit and run accident.

The FSCO auto insurance regulations document describes what is covered :

  • Protects you if you are injured or killed by an uninsured motorist or by a hit-and-run driver.
  • Covers damage to your automobile caused by an identified uninsured motorist.

Is Uninsured Motorist Coverage Necessary?

Yes. It’s estimated that about 2% of all drivers on the road in Canada are uninsured. Uninsured automobile coverage ensures you are covered if you are involved in an accident with an uninsured driver.

However, even with minimum coverage in Ontario, you may not be covered for all damages caused by an uninsured driver. This is why it’s recommended to increase your coverage limits.

Is Uninsured Motorist Coverage Mandatory In Ontario?

uninsured driver coverage

Ontario uninsured automobile coverage is mandatory. It is included in all car insurance policies. Making this coverage mandatory ensures you have some coverage and protection if you are involved in an accident with an uninsured driver or the victim of a hit and run.

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 police report. It’s illegal to drive without insurance. Drivers who drive without insurance coverage face fines starting at $5,000. Visit your local collision reporting centre and call your insurance provider to open a claim and notify them you were in an accident with an uninsured driver.

Since Ontario operates under a no fault insurance system, you will deal directly with your insurance company for the claim.

Is Coverage For Uninsured Motorist In Ontario The Same As Other Provinces?

No. Not all provinces have mandatory uninsured automobile protection. In addition to Ontario, the following provinces offer this coverage :

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

How Much Uninsured Motorist Coverage Do I Need?

All insurance policies in Ontario have uninsured motorist coverage limits. With minimum coverage the limits are $200,000. This may or may not be enough coverage depending on the type of accident and damages. Drivers have the option to increase coverage limits. Using the Family Protection Endorsement, OPCF 44R, you can get additional coverage up to $1 million.

Uninsured Motorist Insurance Coverage FAQs

Still have questions about uninsured automobile insurance? Here are some additional commonly asked questions about this type of coverage :

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

Yes. You can never predict the actions of other drivers. You do not have control whether or not other drivers choose to drive with without proper insurance coverage. Uninsured motorist coverage ensures you are covered.

An uninsured motorist involved in an auto 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 damage to their vehicle. Uninsured motorists could also face a lawsuit from the other driver or insurance company to seek damages.

No. Comprehensive insurance coverage is different from uninsured motorist coverage.

In Ontario, all drivers have uninsured motorist coverage included in their auto insurance policy. The only way you wouldn’t have this coverage is if you didn’t have car insurance coverage.

Yes. Collision and uninsured motorist coverage are two separate types of covered. 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 insurance rates could increase after an uninsured motorist claim. Your insurer will pay for the damages, but since they will not be able to recover all the costs from the uninsured drivers insurance, your rates could increase.

Yes. You will be required to pay a deductible when filing a claim under your uninsured motorist coverage. The deductible amount will depend on your policy.

Yes. Any property that is damaged or destroyed as a result of an accident caused by a hit and run or uninsured driver will be covered.

Get A Quote To Increase Your Uninsured Motorist Coverage

Want to learn more about your options for increasing uninsured automobile insurance coverage? Contact our insurance experts to get a car insurance quote and explore your policy options. Call us at 1-855-550-5515.

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