Uninsured Automobile Coverage in Ontario
Ontario's standard auto policy includes uninsured automobile coverage that may respond when an uninsured or unidentified motorist causes injury or death, and in some cases when an identified uninsured driver damages your vehicle.
Uninsured automobile coverage is part of Ontario's standard policy
FSRA says this coverage may protect an insured person if they are injured or killed by an uninsured or unidentified motorist. It may also cover damage to the insured vehicle caused by an identified uninsured motorist.
FSRA — Standard auto insurance policy →What happens when the other driver has no insurance?
FSRA's claims guidance says a claim can be made under mandatory Uninsured Motorist Coverage when another vehicle in the accident was uninsured. For certain property-damage claims, FSRA identifies a C$25,000 limit less a C$300 deductible and says the owner or driver of the uninsured vehicle must be identified.
Unidentified hit-and-run property damage is a different issue. Optional physical-damage coverage may be relevant depending on the facts and policy.
FSRA — After an accident claims process →How OPCF 44R differs
FSRA describes OPCF 44R Family Protection as optional coverage that can protect you or eligible family members up to the same limits as your third-party liability coverage when an at-fault driver has less insurance, no insurance or is unidentified, subject to the endorsement.
That broader family-protection question should not be confused with the mandatory uninsured automobile section of the standard policy.
Why identification matters for property damage
The current Ontario Automobile Policy distinguishes certain claims against an identified uninsured owner or driver from losses caused by an unidentified automobile. This is one reason the exact police report, driver identification and claim circumstances matter after a collision.