Car accidents can happen unexpectedly, and while most Ontario drivers carry insurance, there are times when the other driver may not. Some collisions involve motorists who flee the scene or those who simply do not have insurance. In such cases, uninsured and unidentified motorist coverage, a mandatory feature of every Ontario auto policy under the Ontario Insurance Act, ensures you are not left without protection.
What This Coverage Means
Uninsured and unidentified coverage safeguards you financially when you suffer injury or vehicle damage in an accident caused by:
- An unidentified driver, such as in a hit-and-run where the responsible driver cannot be located.
- An uninsured driver, meaning the at-fault driver does not hold valid insurance.
What’s Included in the Coverage
This form of coverage typically provides:
- Bodily injury protection: Helps cover hospital bills, rehabilitation, and income replacement if you or your passengers are hurt.
- Property damage protection: Covers the cost of repairing or replacing your vehicle after the crash.
- Death benefits: Offers compensation to surviving family members in the event of a fatality.
Policy Limits and Options
Ontario law sets a minimum coverage amount of $200,000 for uninsured and unidentified motorist protection. Drivers, however, can opt to purchase higher limits for added peace of mind.
How to File a Claim
If you are involved in an accident with an uninsured or unidentified driver:
- Report the collision to the police immediately.
- Notify your insurer and share all necessary details, such as:
- The police report number
- The specifics of the accident
- Any known information about the other driver
- Statements from witnesses, if available
Your insurer will investigate the claim and provide compensation based on your policy’s terms.
Additional Information
- If you already have comprehensive accident benefits, additional uninsured motorist coverage may not be necessary.
- If the at-fault driver is known but uninsured, you may have the option to pursue a legal claim against them. Consulting with a lawyer in such cases is often advisable.
Why This Coverage Matters
Unidentified and uninsured motorist protection ensures that even when the responsible driver cannot or will not pay, you and your family remain financially secure. Reviewing your auto policy and considering higher limits can help you stay fully protected against unforeseen events on the road.