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Motorcycle Insurance

Coverage




Motorcycle Insurance – Ontario



Mandatory Coverage

Third-Party Liability
Direct Compensation – Property Damage
Uninsured Automobile
Accident Benefits

Third-Party Liability

What it means: If you or any other insured person is in an accident and your vehicle injures or kills someone, or damages someone else’s property, you may be legally responsible.
  • Your insurer will defend you in case of a civil law suit and will make any payment required by law on your behalf, up to the amount specified in your policy.
  • Minimum coverage for Third-Party Liability is $200,000, but most drivers choose $1 million.
Example:
  • You lose control of your vehicle, crash into a sign, and damage it.

Direct Compensation – Property Damage

What it means: If you are the owner of a vehicle and you are involved in an accident in Ontario where you are not entirely at fault, and at least one of the other vehicles involved is insured under a motor vehicle liability policy issued by an insurance company licensed in Ontario, your insurer will pay you for repairs to your vehicle and its contents and compensate you for loss of use of your vehicle. The amount payable will be determined by the degree to which you were not at fault.

Examples:
  • A car backing out of a driveway hits you as you are driving past.
  • You are rear-ended at an intersection as you wait for the light to change.
  • Your vehicle is parked in your driveway when a car loses control and hits it.
  • If you and the other party are deemed equally responsible, you will receive half of your damages directly from your own insurance company.

Uninsured Automobile

What it means: If you are injured or killed by an uninsured vehicle whose owner or driver cannot be identified or your vehicle is damaged by a vehicle for which the owner or driver is identified but uninsured, you are covered for losses you would have been legally able to recover from the owner of the responsible vehicle, subject to the policy deductible and limits, and only to the degree to which you were not responsible for the accident.

Examples:
  • An identified but uninsured truck runs into the side of your motorcycle in a parking lot.
Note: Damages to the vehicle caused by a hit and run is not covered under this section unless the driver or owner is identified.

Accident Benefits

What it means: If you or any other person entitled to benefits under this coverage is in an accident, regardless of who is at fault, this may cover a portion of such expenses as:
  • medical expenses
  • rehabilitation expenses such as physiotherapy
  • attendant care
  • income replacement
  • funeral expenses
  • death benefit
Application forms will be provided to assist you with your accident benefits claim which will be processed within the policy time limits.

Examples:
  • You break a leg in an accident and need rehabilitation. Rehabilitation and other medical costs may be covered as a supplement to any basic health insurance you already have, subject to your insurance policy limits.
  • A vehicle loses control, hitting your vehicle and injuring you. If you carry insurance, your loss of income from employment may be covered, subject to your insurance policy limits.
The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance advisor before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.

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