In Ontario, the Insurance Act determines the standard coverage that consumers must purchase. As a result of rescent reforms, some of the features under the Standard Auto Insurance Policy have changed.

These reforms by the Ontario government are intended to provide greater price stability, and give drivers more control over the amount of coverage and price they pay for auto insurance. Beginning September 1, 2010, if you are either buying a new auto insurance policy or renewing an existing one, you will have more options to purchase a level of coverage that is right for you.

As of September 1, 2010, drivers will be able to:

• Choose the insurance coverage that best meets their protection needs and budgets.
• Customize their level of income replacement, medical, rehabilitation, attendant care, caregiver, housekeeping, death benefits and home maintenance coverage; and
• Better integrate their auto insurance with private disability insurance coverage, or individual or group health insurance coverage

All auto insurance policies will continue to include the following:

• Third Party Liability
• Uninsured Auto coverage
• Direct Compensation]Property Damage
• Statutory Accident Benefits

In addition, if you previously purchased Collision and/or Comprehensive coverage, it will still be included in your policy.

Ontario Auto Reform Details - Click Here for a comprehensive look at the changes and what they mean to you.

Please take a moment to look at the Auto Reform Resources provided on the right side of this page. These links to documents and other sites can provide you with more details and a better understanding.

Auto Reform Resources

• "Providing More Choice"  - What you need to know about changes to auto insurance in Ontario
• "You Now Have More Choice"  - Summary of important changes to your existing policy that take effect Sept 1, 2010 and your next policy renewal.
• My Choice Car Insurance - A great micro-site developed by one of the companies we represent, The Dominion. This site provides detailed descriptions of the upcoming changes, an interactive chart to help you make your choice along with and overview and detailed case studies of the four types of categorized car accidents.
• Financial Services Commission of Ontario (FSCO) - Consumer Information on Auto Insurance. FSCO is the regulatory body responsible for Insurance in Ontario. This site includes some FAQs and many other insurance related documents and links.
• Financial Services Commission of Ontario FQAs - Auto Insurance Reform Frequently Asked Questions and Answers.
• Insurance Bureau of Canada An interactive web page that explains the Ontario Auto Insurance Reform.
• Why GTA car insurance rates can give you whiplash by James Daw - Article from thestar.com published On Sat Oct 3 2009. In Mr. Daw's article, he reports on the cost of assesment, treatment and compensation of an automobile collision in Toronto compared to other parts of the Province. The discussion in this article can provide some insight into why the government legislated changes to Ontario's auto insurance.
• Think of you body, not your car's, when buying insurance by James Daw - Article from thestar.com published On Thu Jul 8, 2010. In this article, James Daw discusses the upcoming Ontario Auto Reform changes and why it is important to take into consideration all the factors that can affect your auto insurance beyond your actual vehicle.