Auto Insurance

Standard Auto Insurance Policy (OAP 1)

Auto insurance is compulsory in Ontario. The standard owner's policy (OAP 1) is approved for use as the standard automobile insurance policy and typically includes:

• Liability
• Statutory Accident Benefits
• Uninsured Automobile
• Direct Compensation – Property Damage (DCPD)

Optional physical-damage coverages such as collision, comprehensive, specified perils, or all perils can be added. Endorsements (OPCF forms) change the standard policy to fit how you drive.

How can I save money on my car insurance?

Risk Care Insurance offers many ways to save money and keep it where it belongs: in your pocket. Take advantage of discounts, bundles, and benefits that can add up over the long run:

• Shop around and compare quotes from more than one insurer through your broker.
• Increase your deductibles if you can comfortably pay a larger amount after a claim.
• Bundle home (or tenants) insurance with your auto policy for a multi-policy discount.
• Ask about winter-tire, anti-theft, good-student, retiree, and driver-training discounts.
• Keep a clean driving record — convictions and at-fault claims raise premiums for years.
• Tell your broker before you buy another vehicle so ownership and rating are set up correctly.

Auto Claims

We have compiled information here so you understand claims, fault determination, and next steps. Remember: knowledge reduces stress.

At the time of an accident

1. Stop. If your vehicle is involved in an accident and you do not stop, you may face criminal prosecution.
2. Call police if anyone is injured, total damage appears above the reporting threshold, or you suspect a Criminal Code offence. For minor collisions with no injuries, report to a Collision Reporting Centre within 24 hours.
3. If it is safe, get out and photograph the scene, vehicles, plates, and damage.
4. Move the vehicle out of traffic when it is safe. Use hazard lights, cones, or flares if the vehicle cannot be driven.
5. Record information from all parties. Exchange names, licences, plates, and insurer details.
6. Call Risk Care Insurance and your insurer as soon as possible. Do not admit fault at the roadside — fault is decided under Ontario's Fault Determination Rules.

• Remain calm. Do not argue with other drivers or passengers.
• Do not voluntarily assume liability, sign fault statements, or promise to pay for damage at the scene.
• Watch for unauthorized tow operators and storage scams.

If the vehicle is repairable, your insurer will guide you through the appraisal and repair process. If it is a total loss, settlement follows the policy and Direct Compensation – Property Damage (DCPD) rules when you are not at fault for damage to your own vehicle.

Be prepared for any emergency on the road

Always keep a basic vehicle first-aid or emergency kit in the trunk. Fill a plastic storage container with:

• Pen and paper
• FSCO Accident Worksheet
• Basic first aid kit
• Disposable camera or charged phone
• Emergency road flares, warning triangles, or cones
• Fire extinguisher (A-B-C type)
• Flashlight and extra batteries
• Bottled water
• Booster cables
• Tire repair kit and pump
• Small tool kit
• Towel and work gloves
• Non-perishable food
• Hand wipes
• Thermal blanket

Reporting Fraud

If you suspect you may be a victim or target of a scam or fraud, report it:

• Call your local police and your insurance company.
• Submit an anonymous tip to Crime Stoppers at 1-800-222-TIPS.
• File a report with the Auto Insurance Fraud Hotline or call 1-855-5TIP-NOW.

What should be done if you are not satisfied with the insurance company's claim settlement

There are mechanisms in the Insurance Act for disputes with an insurer. Know your rights before you escalate.

Consider these 4 steps to resolve a dispute

1. Get more information from your insurer. Ask your broker, agent, or claims adjuster for a clear explanation. If needed, speak with the claims manager or supervisor.
2. Contact the insurer's Complaints Liaison Officer or Ombudsperson. Make your concern clear, state what you expect, keep documents ready, and record who you spoke with.
3. Use the General Insurance OmbudService (GIO). If the matter is not resolved, request a final position letter and contact GIO.
4. Contact a federal or provincial body such as the Financial Consumer Agency of Canada (FCAC) if the dispute remains unresolved or your insurer is not a GIO member.