In Ontario, the minimum coverage required by law is:

• Liability
• Uninsured Automobile Coverage
• Accident Benefits

You can’t legally drive without these three.

You might want to add optional coverages that would repair or replace your car if it’s damaged. Collision and comprehensive coverages aren’t required by law. But, they’re highly recommended if you want to avoid paying costly bills out of pocket. Collision takes care of damage to your car in case of an accident with another car or object. Comprehensive covers damage from fire, theft, falling objects, and more. 

Heads up! As of January 1, 2024, Ontario auto insurance policyholders can opt out of Direct Compensation Property Damage (DCPD). DCPD was previously mandatory in Ontario. This coverage is also known as Collision – Not Your Fault.

Think carefully before removing DCPD from a vehicle. If you decide to opt out, here’s what to consider:

• You’ll have to pay out of pocket to repair or replace the vehicle even if you’re not at fault in an accident.
• You won’t be compensated by anyone else’s policy. And, you can’t sue anyone to recover damages. This includes anyone at fault for causing the damage. It also includes their insurer.
• If you have Collision or All Perils coverage, they will be removed from that vehicle.
• Extras like towing, storage, and a rental vehicle will also be removed.
• If you lease or finance your car, the contract with your lender might not allow it.
• You can’t remove the coverage through your Sonnet.ca account. You must call in and we’ll send you a paper consent form to fill out and send back to us.

We always want you to be fully protected! Have questions about your policy? Reach out to one of our agents via chat or email. They’re happy to help!