Understanding the availability of Uninsured Automobile Coverage
(UAC) and Underinsured Motorist Coverage (OPCF-44R) is essential.
These coverages can be a financial lifeline in situations where
you’re involved in an accident with an uninsured or
underinsured driver. In this blog post, we break down the key
aspects of these coverages, including when they come into play, how
to make a claim, and important considerations.
Uninsured Automobile Coverage (UAC)
Uninsured automobile coverage is mandatory in
Ontario, which means this coverage is part of every Ontario
Automobile Policy whether you knew about it or not. Section 5 of the Ontario Automobile Policy, or OAP
1, stipulates the terms and conditions of Uninsured Motorist
Coverage. This type of coverage is accessed when a person is
injured in an accident involving a vehicle that was uninsured. The
UAC will pay up to the…
