For many reasons, many people choose to carry more than this minimum amount. Insurance coverage is divided into several different parts of the policy. The circumstances of the accident determine which section is used. One that is often misunderstood is direct compensation for property damage (DCPD).
The OAP is a no-fault insurance standard for accidents in the province. The purchase of the DCPD is mandatory, and it says that insured drivers ask their own insurance companies for repair, rental and towing costs, even when they are not at fault for an accident. If the at-fault driver in Ontario does not have DCPD, then the driver is covered for uninsured motorist property damage (UMPD) instead. It is also mandatory to purchase UMPD.
This website won't display correctly and some features won't work. Learn more about the browsers we support for a faster and safer online experience. It's now easier than ever to find laws in Ontario. Compulsory Auto Insurance Act The car insurance operator must carry an insurance card Submission of statutes and amendments Termination of insurance contracts Validation or transfer of permits for possession, use, sale, etc.
A) operating the motor vehicle; or on a highway, unless the motor vehicle is insured under an auto insurance contract. Any owner or lessee of a motor vehicle who, A) violates subsection (of this section) or subsection 13 (1); or B) gives an insurance card for inspection to a police officer, when requested to do so, in order to prove that the motor vehicle is insured under an auto insurance contract when the motor vehicle is not so insured, Justice to guarantee possession of a driver's license When a judge makes a conviction under the subsection (and the judge will stay the driver's license of the convicted person, the judge will keep that of the driver's license and forward it to the Registrar. The police officer can obtain possession. When a driver's license is suspended under this section and the person to whom the suspension applies refuses or fails to immediately bring their license to justice, any police officer may, following the Registrar's instructions, take possession of the license and refer it to the Registrar.
In the event of a conviction under subsection (,), the judge may order that the motor vehicle, B) for which a false statement was made with respect to insurance in violation of subsection 13 (1; or C) for which an insurance card was submitted in violation of clause (b), all costs and charges for the care and storage of the motor vehicle are a right of retention on the motor vehicle that can be enforced in the manner provided by the Repair and Storage Charges Act. Delivery of the vehicle on bail by the convicted person A) an insurance card for the motor vehicle; or B) an insurance card showing that the operator is insured under an auto insurance contract, and the operator will hand over the insurance card for reasonable inspection at the request of a police officer. The excluded driver will carry an insurance card. Notwithstanding subsection (,), an operator of a motor vehicle who is named an excluded driver under the car insurance contract under which the vehicle is insured must have in the vehicle at all times an insurance card showing that the operator is a designated insured under another car insurance contract, and the operator will hand over the insurance card for reasonable inspection at the request of a police officer.
For the purposes of subsection (, A) the name and address of the insured, B) the make, model and serial number of the insured vehicle, C) the effective date and the expiration date of the contract, E) the name of the insurance agent, if any, and F) the policy number of the contract. A) submit an application for motor vehicle insurance to an owner or lessee of a motor vehicle who is a resident of Ontario; and B) submit a full application for auto insurance to the insurer, when the owner or lessee of a motor vehicle so requests. No insurer or its agent will specify on an insurance card an effective date prior to the date the auto insurance contract was actually signed or in any other way misrepresent the details of the car insurance. Each insurer is a member of the Association.
The Association shall establish, in its statutes, a plan, known as the Operation Plan, to provide an auto insurance contract to licensed motor vehicle owners, renters and drivers who, if not for the Plan, would not be able to obtain such insurance. The Association shall ensure, through its members, that an auto insurance contract is provided with respect to each application for car insurance submitted under the Plan to an insurer under clause 5 (b). Agents subject to statutes, etc. When an agent submits an application under the Plan to an insurer, it will be subject to the applicable statutes and statutes of the Association.
The Plan may include provisions regarding the establishment and operation of a risk sharing group for members of the Association. Actions taken by and against the Association The Association may, on its behalf, B) sue and be sued. Information to be provided to the executive director A) plan for the execution of the documents by the Association; B) respect banking and finance; C) fix the financial year of the Association and provide for the auditing of the accounts and transactions of the Association; D) provide for the appointment and remuneration of the officers and employees of the Association; E) respect the convening, holding and holding of the meetings of the Association and the functions of the members of the Association; F) delegate to an operational committee such powers and duties of the board of directors as established in the statute, apart from the power to draw up, modify or revoke the statutes; G) prescribe forms and provide for their use; H) respect the management of the assets of the Association; I) respect the application of the Association's funds and the investment and reinvestment of any of its funds that are not required immediately and for the protection of its values; J) impose evaluations on the members of the Association in order to cover the operating expenses of the Association and the Plan and to cover the collection of such evaluations; K) prescribe rules and procedures related to the operation of the Plan; and L) respect everything considered necessary for the operation of the Plan, the achievement of the objectives of the Association and the efficient conduct of its affairs. Any power of the Association that may be exercised by law under the subsection (may be provided for in the statutes of the Association).
Approval of the Executive Director The Association may prepare the rates with respect to the contracts provided for in the Plan. Subsection (does not apply to, A) an insurer that runs its business, in which the insurer has the specific approval of the executive director to cancel a contract; or the Ministry to be satisfied with the insurance minister may require information Collection of information on behalf of the minister Use of information for other purposes The Ministry of Transport can rely on information A) have in its possession a false or invalid insurance card that you know or should know is false or invalid; B) use a false insurance card or invalid that you know or should know that it is false or invalid; C) selling, delivering or distributing a false or invalid insurance card that you know or should know that it is false or invalid; or any director, officer or principal agent of an insurer or the Association is guilty of a crime that, A) caused, authorized, permitted, or participated in the commission of a crime to which the subsection (applies; or B) failed to take reasonable steps to prevent the insurer or association from committing a crime to which the subsection applies (. The subsection (applies regardless of whether the insurer or the Association has been prosecuted or convicted of a crime), what does subsection () apply to. A court that convicts a person of an offence to which this section applies may, in addition to any other penalty, order the person to pay compensation or restitution in connection with the crime.
A) a requirement imposed by a provision of this Act that is prescribed for the purposes of section 14.4 or 14.5 or by a provision of a regulation that is prescribed for the purposes of any of those sections, B) a requirement imposed by order, or A) exempt any person or class of persons or vehicle or class of vehicles from this Act or any provision of this Act, subject to the conditions set out in the regulations; B) prescribe identification markers for all cars licensed in Ontario and that provide for their use; C. Make amendments to the Plan and to the statutes, statutes, regulations and resolutions of the Association; C. Prescribers, classes of people, insurers, classes of insurers, information and conditions for the purposes of subsection 13 (. Regulations, administrative sanctions The Deputy Governor in Council may issue regulations governing the administrative sanctions that may be imposed under Articles 14.4 and 14.5 and, without limiting the generality of the above, may issue regulations, A) prescribe the provisions of this Act or the regulations for the purposes of sections 14.4 and 14.5; B) prescribe the criteria that the Executive Director must or is allowed to take into account when imposing a sanction under Articles 14.4 or 14.5; C) fixing the amount of a fine or the method for calculating the amount of a sanction and prescribing different sanctions or ranges of sanctions for different types of violations or breaches and for different classes of people; D) authorizing the executive director to determine the amount of the sanction, if the amount of the sanction is not prescribed, and prescribing the criteria that the executive director is obliged or allowed to take into account in determining it; E) authorizing a sanction to be imposed for each day or part of a day on which a violation or non-compliance continues; F) authorize higher penalties (not exceeding the maximum penalty established in section 14.6 or prescribed in clause (j)) for a second or subsequent violation or non-compliance by a person; G) regulate the form of payment of penalties; H) requiring that a fine be paid before a specific deadline or before a period specified by the executive director; I) authorize the imposition of a delay in payment fees corresponding to fines that are not paid before the deadline, including late graduation of payment rates; E-Laws provides access to copies Officials of Ontario's statutes and regulations.
Submit for inspection any other evidence that the Ministry of Transport deems satisfactory that the motor vehicle is insured under an auto insurance contract. B) an insurance card proving that the operator is insured under an auto insurance contract,. The Ontario auto policy (OAP 1, also called homeowner's policy) is a regulation of the Ontario Insurance Act enacted by the Ontario Parliament to cover financial damage to people and property after a car accident. Certify on a form approved by the CEO that the motor vehicle is insured under an auto insurance contract.
Notwithstanding subsection (,), an operator of a motor vehicle who is named an excluded driver under the car insurance contract under which the vehicle is insured must carry an insurance card in the vehicle at all times demonstrating that the operator is a designated insured under another car insurance contract, and the operator shall deliver the insurance card for reasonable inspection at the request of a police officer. B) provides an insurance card for inspection to a police officer, when requested to do so, under the pretext of demonstrating that the motor vehicle is insured under an auto insurance contract when the motor vehicle is not insured in that way,. The Ministry of Transport will not issue, validate, or transfer a permit for a motor vehicle unless it is convinced that, at the time the application for issuance, validation or transfer is submitted, the motor vehicle is insured under an auto insurance contract. D) submit for inspection any other evidence that you know or should know that is false or invalid, that the motor vehicle is insured under an auto insurance contract.