The Dominion LogoUnderstanding My Car Insurance - Choices In Ontario
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Welcome, Ontario drivers!

You have choice when it comes to selecting automobile insurance coverage in Ontario. The options available allow you to build insurance protection to best meet your individual needs.

The Dominion is here to help you understand these options.

To make an informed choice, you need to know what injuries resulting from car accidents can cost and how to choose the Accident Benefits coverage that makes sense for you.  When you're done, contact your independent insurance broker to finalize your selections.

Roll your mouse over the photos on this page to see what drivers like you are considering.

Now let¿s start your insurance conversation with three easy steps:

My family depends on me.
If I get hurt in a car accident, I need to be sure they’re protected.

It’s my choice. Choosing the right insurance coverage is important to me because:

  • I need my car insurance to provide for all the people who depend on me financially or as a caregiver, including my children and elderly parents who live with me.
  • If I’m a single parent, I have to think about whether my coverage will support me in caring for my children independently after a car accident.
  • To arrive at the total insurance package that’s right for me, I’ll have to factor in both my own employer benefits and those of my spouse, bearing in mind that OHIP doesn’t pay for many of our healthcare expenses in the event of an accident.
  • If I’m injured, who would take care of my children? Who would take care of me? And would I need assistance with housekeeping and home maintenance?

Although I have a lot of competing financial priorities, buying the right car insurance coverage is an investment in me.

My life's just getting started, and I don't want an unfortunate car accident to come between me and my ambitions.

It’s my choice. Choosing the right insurance coverage is important to me because:

  • I don’t have employer benefits right now, and I know that OHIP doesn’t pay for all my healthcare expenses after an accident.
  • If I have a serious car accident, how will I support myself financially for the rest of my life?
  • I have to think beyond my immediate needs as a driver.

Although I have a lot of competing financial priorities, buying the right car insurance coverage is an investment in me.

My career and personal life are right on track, and I don’t want to see them derailed by a costly car accident.

It’s my choice. Choosing the right insurance coverage is important to me because:

  • I know that OHIP doesn’t pay for many of my healthcare expenses after an accident, so I’ll be relying on a combination of employer benefits and the right coverage options from my insurance company.
  • If I run a business, I have to carefully manage its insurance coverage so that my cars, drivers and company are protected.
  • If I’m self-employed, I have no employer benefits and all the more reason to think about my personal car insurance choices.
  • If injured, I may be off work for a period of time. I want to choose car insurance options to offset my loss of income.

Although I have a lot of competing financial priorities, buying the right car insurance coverage is an investment in me. 

I worked hard towards my retirement, and don't want to let a car accident spoil my golden years.

It’s my choice. Choosing the right insurance coverage is important to me because:

  • I want to help protect my retirement savings from the unexpected costs of a car accident.
  • If I no longer have health care benefits through an employer, I want to be especially careful that I’ve selected the right car insurance options.
  • OHIP doesn’t cover many of my health care expenses after an accident, and my body might take a while to mend after an injury, so I may incur higher treatment costs than a younger person before I'm feeling like myself again.
  • If I’m injured, would I need assistance with caring for my spouse? Or with housekeeping and home maintenance?

Although I have a lot of competing financial priorities, buying the right car insurance coverage is an investment in me.

Reality Check

We’ll start by looking at four types of car accidents, going beyond the “fender bender” and learning to protect against the unexpected.

My Choice

Bearing in mind the potential costs of being injured in a car accident, it’s time to consider your options and select the right insurance coverage for you.

Next Steps

Take what you’ve learned to your independent insurance broker, and get access to other helpful resources.