Ontario car insurance typically includes several essential coverages to protect drivers, passengers, and third parties in case of an accident. Liability coverage is mandatory, covering injury or damage claims made against you by others. Accident benefits coverage offers medical expenses, rehabilitation, and income replacement for you and your passengers if injured, regardless of fault. Direct Compensation-Property Damage (DCPD) pays for damage to your vehicle and belongings if another insured driver is at fault. Uninsured motorist coverage protects against accidents involving drivers without insurance or in hit-and-run cases. Optional add-ons are also available, like collision and comprehensive coverage, which cover repairs or replacement costs for your car from collisions, theft, vandalism, or weather-related damages. Customizing your policy with additional options can provide more robust protection tailored to your needs while ensuring compliance with Ontario’s minimum legal insurance requirements.