Ontario laws require all owners of automobiles to have auto insurance. These laws also give you rights as an auto insurance consumer. The following information highlights many of your rights under the Insurance Act, related laws and regulations.

You have the right to:

  1. purchase auto insurance coverage
  2. be treated fairly by your insurance company
  3. be given written reasons if you have been denied auto insurance
  4. keep your policy in place if you pay your premiums and meet the responsibilities
  5. pay your auto insurance premium in monthly installments
  6. keep your policy in place if you pay your premium within 30 days following one or two non-sufficient fund (NSF) situations
  7. be informed in writing if your policy is not being renewed
  8. change or cancel your insurance policy at any time
  9. remain with your insurance company even if that company no longer sells insurance through your broker
  10. know from which companies your broker received quotes and the amounts
  11. prompt and fair handling of claims
  12. reasonable repair of your damaged vehicle
  13. choose a repair shop, tow operator or vehicle rental company
  14. receive information about accident benefits
  15. dispute your insurance company’s refusal to pay benefits
  16. choose your health care provider
  17. register a complaint about your insurance company

Consumers’ responsibilities

You must:

  1. insure your vehicle and retain your proof of insurance (pink slip) while driving
  2. pay your premium in a timely fashion
  3. give true and accurate information to your insurer and complete all forms promptly
  4. promptly let your insurer know about any change in circumstances that could affect your insurance situation, including if you are involved in any accident
  5. provide your insurer with updated information when requested
  6. send your insurer a completed accident benefits package on time if you claim accident benefits
  7. attend reasonably necessary medical examinations requested by your insurer to evaluate your claim if you claim accident benefits
  8. participate in treatment and rehabilitation, and try to get back to work, if you receive accident benefits from your insurer