Automobile Insurance in Ontario is required by law to be placed on any licensed motorized vehicle that uses public land or highways in the Province. This includes automobiles, trucks, snowmobiles, and ATVs, to name but a few.
Auto Insurance in Ontario is highly regulated and can be quite a confusing area for the consumer to understand. Flexibility with how an insurer can deal with situations is severely limited by regulations that are administered by the Financial Services Commission of Ontario (FSCO). If you have an accident your degree of fault is determined by the Fault Determination Rules. Information about these rules is found here.
Coverage
Let's look at the coverage that is available & what these terms mean
Rating Overview
Rating of Automobile Insurance is based on the following:
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