Published on this website: October 19, 2026
A-Z Insurance · Information checked: 2026-10-11 · Original publication date unknown
Collisions and vehicle losses can happen on familiar neighbourhood streets as well as highways. Review your policy around practical questions: whose loss does each coverage address, what deductible applies, and what limits or time conditions matter?
These six checks are discussion points, not a mandatory package for every driver.
1. Liability limits: $200,000 is the legal minimum
Ontario requires at least $200,000 in third-party liability coverage. A higher limit, such as $2 million, is an option to discuss according to your use and circumstances, not a universal legal requirement. Liability addresses qualifying claims against you; it does not provide general repair coverage for your own vehicle. FSRA’s standard-policy guide
Ask what different limits cost and what exposure you would retain.
2. OPCF 43: understand the settlement ceiling
OPCF 43 can remove depreciation deductions for eligible vehicle losses. It does not unconditionally refund the purchase price. The official form caps payment at the lowest of the actual vehicle-and-equipment purchase price, the manufacturer’s suggested price on the original purchase date, or replacement cost for a new vehicle of the same make, model and similar equipment, including applicable taxes. FSRA’s OPCF 43
Check original-purchaser, new-at-delivery, time-period, insured-peril and deductible conditions. Leased vehicles may require a different endorsement.
3. OPCF 20: replacement transportation has limits
This endorsement can reimburse eligible transportation expenses after vehicle loss or damage caused by an insured peril. It can include reasonable rental, taxi or public-transit costs. Check daily and per-occurrence limits, start and end conditions, and the requirement that the damage exceed the applicable deductible. FSRA’s OPCF 20
Routine servicing or an uninsured mechanical problem does not automatically qualify simply because the car is in a repair shop. Consider how your household would manage a lengthy repair and ask about the available limits.
4. OPCF 27: check the driver, vehicle and use
OPCF 27 extends certain protection for non-owned automobiles; it does not insure every borrowed vehicle in every circumstance. Eligible people, vehicle type, limits, deductibles, ownership, use and territory matter. Vehicles owned by household members or an employer can fall within restrictions. FSRA’s OPCF 27
Before renting, give your broker the location, vehicle type, drivers and rental period. Do not decline all rental-counter protection without checking your actual coverage, or assume personal rental coverage applies to paid passengers or commercial deliveries.
5. OPCF 44R: family protection concerns injury and death
This endorsement addresses qualifying damages legally recoverable for bodily injury or death when a motorist is inadequately insured, uninsured or unidentified. It has eligibility, evidence, deduction and limit provisions. It is not general vehicle-damage coverage, nor an automatic payment of the difference between two policy limits. FSRA’s OPCF 44R
Ask how the insured-person definition applies to your family rather than relying on everyday descriptions of who belongs to the household.
6. Collision and Comprehensive: check them separately
Collision or Upset generally addresses collision and overturning losses. Comprehensive addresses certain non-collision risks, including theft, fire or vandalism. Both have conditions and exclusions. Review DCPD and uninsured automobile coverage as well so that different accident situations are not confused. FSRA’s optional-coverage guide
Turn the review into a clear record
Use your certificate and endorsements to mark what is purchased, what is absent, and the limits and deductibles. Explain your actual needs: a new or financed car, regular rentals, or a household that relies on daily transportation. Confirm effective dates and retain written documents for any change.
These six points do not replace a complete review. Include current accident benefits choices, listed drivers and vehicle use. Contact A-Z Insurance to work through your policy details.
Phone: 905-707-2929. Email: info@azinsure.ca.
This guide reflects official information checked on October 11, 2026. It does not recommend every option for every customer. Rights, limits and payments depend on applicable policy wording, endorsements and law.