Inauto insurance ontario canada all drivers are legally required to have a valid auto insurance policy to operate a vehicle. The mandatory coverage includes Third-Party Liability Insurance, which provides protection if you injure someone or damage their property (minimum required is $200,000, though many drivers opt for higher limits); Accident Benefits Coverage, which pays for medical expenses, income replacement, and rehabilitation regardless of who was at fault; Uninsured Automobile Coverage, which protects you if you're involved in a collision with an uninsured or unidentified driver; and Direct Compensation–Property Damage (DCPD), which covers damage to your vehicle and its contents if another driver is at fault in an accident that occurs in Ontario. Optional coverages such as collision and comprehensive insurance are available for added protection.