About: Ontario Automobile Policy 1

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The Ontario Automobile Policy (OAP 1, also called the Owner's Policy) is a regulation under the Ontario Insurance Act enacted by the Parliament of Ontario to cover financial damages to persons and property after a car crash. All private companies registered to sell auto insurance in Ontario, are required to use the OAP for their private car insurance policy. The OAP is the legal contract that connects an Ontario driver with every Ontario based insurance company.

Attributes	Values
rdfs:label	Ontario Automobile Policy 1 (en)
rdfs:comment	The Ontario Automobile Policy (OAP 1, also called the Owner's Policy) is a regulation under the Ontario Insurance Act enacted by the Parliament of Ontario to cover financial damages to persons and property after a car crash. All private companies registered to sell auto insurance in Ontario, are required to use the OAP for their private car insurance policy. The OAP is the legal contract that connects an Ontario driver with every Ontario based insurance company. (en)
foaf:depiction
dcterms:subject	Ontario law
Wikipage page ID	61763677 (xsd:integer)
Wikipage revision ID	1108658809 (xsd:integer)
Link from a Wikipage to another Wikipage	Ontario Fault Determination Rules Deductible Legislative Assembly of Ontario No-fault insurance Ontario law Ontario Organizational ombudsman
Link from a Wikipage to an external page	http://licensingcomplaintofficers.fsco.gov.on.ca/LicClass/eng/lic_companies_class.aspx http://undertaking.fsco.gov.on.ca/ http://www.fsco.gov.on.ca/en/auto/forms/Documents/OAP-1-Application-and-Endorsement-Forms/1215E.2.pdf%23page=1 https://www.ontario.ca/laws/statute/90i08 http://www.fsco.gov.on.ca/en/Pages/default.aspx http://www.fsco.gov.on.ca/en/drs/Pages/default.aspx http://www.fsco.gov.on.ca/en/open-data/Pages/complaint-officers.aspx http://www.ontario.ca/laws/regulation/900668/
sameAs	Ontario Automobile Policy 1 Ontario Automobile Policy 1
dbp:wikiPageUsesTemplate	dbt:Infobox_legislation
thumbnail	wiki-commons:Special:FilePath/Ontario_in_Canada_2.svg?width=300
related legislation	https://www.ontario.ca/laws/statute/90i08
territorial extent	Ontario
amends	2016-06-01 (xsd:date)
citation	http://www.fsco.gov.on.ca/en/auto/forms/Documents/OAP-1-Application-and-Endorsement-Forms/1215E.2.pdf%23page=1
enacted by	Legislative Assembly of Ontario
keywords	Ontario car insurance policy (en)
long title	Owner’s Policy (en)
short title	Ontario Automobile Policy (en)
status	in force (en)
summary	Standardized auto insurance policy for all private vehicles registered in Ontario (en)
date effective	1990-12-31 (xsd:date)
has abstract	The Ontario Automobile Policy (OAP 1, also called the Owner's Policy) is a regulation under the Ontario Insurance Act enacted by the Parliament of Ontario to cover financial damages to persons and property after a car crash. All private companies registered to sell auto insurance in Ontario, are required to use the OAP for their private car insurance policy. The OAP is the legal contract that connects an Ontario driver with every Ontario based insurance company. Insurance coverage is divided up between several different portions of the policy. The circumstances of the accident determine which section is used. An often misunderstood one is the Direct Compensation Property Damage (DCPD). The OAP is a "No Fault" insurance rules for accidents within the province. DCPD is mandatory to purchase, and it says insured drivers claim through their own insurance companies for repairs, rental, and tow charges, even when they are not at fault for an accident. If the at fault driver in Ontario doesn't have DCPD, then a driver is covered by Uninsured Motorist Property Damage instead (UMPD). UMPD is also mandatory to buy. Other sections of the policy are Specified Perils and Comprehensive, which insure events like hail, theft, and vandalism. Collision covers damages from at-fault accidents and hit and runs. All Perils combines Comprehensive and Collision but adds some coverage. Each is optional to buy, however lease and car loan companies usually require Collision and Comprehensive. The Ontario Automobile Policy does have several extra insurance pages called Endorsements. These are optional to buy. The most common are rental insurance (Loss of Use) used for Collision and Comprehensive claims, and new parts/new vehicle replacement (43 Endorsement). In Ontario accident fault is judged according to the Ontario Fault Determination Rules. Which means whether an auto claim is covered by DPCD, or Collision, or a mixture of both, depends on how the insurance adjuster evaluates a driver's fault rating after an accident. (en)
administered by	http://www.fsco.gov.on.ca/en/Pages/default.aspx
prov:wasDerivedFrom	wikipedia-en:Ontario_Automobile_Policy_1?oldid=1108658809&ns=0
page length (characters) of wiki page	77875 (xsd:nonNegativeInteger)
foaf:isPrimaryTopicOf	wikipedia-en:Ontario_Automobile_Policy_1
is Link from a Wikipage to another Wikipage of	Ontario Fault Determination Rules
is foaf:primaryTopic of	wikipedia-en:Ontario_Automobile_Policy_1

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