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In Ontario, it is mandatory for all drivers to have car insurance coverage. You are required to have car insurance coverage as soon as you become the owner of a vehicle or when you start driving a vehicle.

The minimum coverage that you are required to have in Ontario is:

  • Third-party liability coverage: This covers you if you are found to be responsible for injuring someone or damaging someone’s property while driving. The minimum amount of coverage required by law is $200,000.
  • Accident Benefits coverage: This provides coverage for medical expenses, lost wages, and other expenses that result from injuries sustained in a car accident. The minimum amount of coverage required by law is $50,000.
  • Direct Compensation – Property Damage coverage: This covers you for damage to your vehicle and its contents caused by someone else. This coverage is only applicable if the accident occurs in Ontario, both drivers are insured, and at least one driver is found to be at fault.

The minimum coverage required by law may not be enough to fully protect you in the event of an accident. You may want to consider purchasing additional coverage, such as collision and comprehensive coverage, to provide more comprehensive protection for your vehicle and yourself.

Do You Have To Have Car Insurance To Buy A Car?

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In Ontario, you are not legally required to have car insurance to buy a car. However, you will need to have car insurance in place before you can drive the car off the dealer’s lot or use it on the road.

When you buy a car from a dealer, they may ask you to provide proof of insurance before they allow you to take possession of the vehicle. If you already have an existing car insurance policy, you may be able to add the new vehicle to your policy before you pick it up. If you do not have car insurance at the time of purchase, you will need to purchase insurance before you can legally drive the vehicle on the road.

If you are caught driving without insurance, you could face fines, license suspension, and other penalties. So it is essential to have car insurance in place before driving any vehicle on public roads in Ontario.

Can You Drive A Car Without A License Plate?

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No, it is not legal to drive a car without a license plate in Ontario. Every vehicle operated on the roads in Ontario must have a license plate that is properly displayed on the vehicle. The license plate helps to identify the vehicle and its owner, as well as ensure that the vehicle is properly registered and insured.

When you purchase a new or used vehicle, you will be issued a temporary license plate that is valid for a limited time. You must install the permanent license plate on the vehicle as soon as possible to avoid any legal issues.

If you are caught driving a car without a license plate, you could face fines, impoundment of the vehicle, and other penalties. It is important to ensure that your vehicle has a properly displayed license plate at all times when it is operated on the roads in Ontario.

How Do You Get Car Insurance For The First Time?

If you are getting car insurance for the first time in Ontario, here are the steps you should follow:

  1. Determine the type and amount of coverage you need: The minimum coverage required by law in Ontario includes third-party liability, accident benefits, and direct compensation – property damage coverage. However, you may want to consider purchasing additional coverage to provide more comprehensive protection for your vehicle and yourself.
  2. Get quotes from multiple insurance providers: You can get quotes from various insurance companies either by visiting their websites or by contacting them directly. Make sure to compare the coverage and prices of each policy carefully.
  3. Choose an insurance provider and policy: Once you have compared the quotes, you can select an insurance provider and policy that best meets your needs and budget. Make sure to read the policy details carefully and ask any questions you may have before making a final decision.
  4. Provide necessary information and documentation: When you apply for car insurance, you will need to provide information such as your driving record, vehicle details, and personal information. You will also need to provide proof of insurance to the dealer if you are purchasing a new vehicle.
  5. Pay for your policy: Once you have chosen your policy and provided all the necessary information, you will need to pay for your policy. You can typically pay for your policy annually or in monthly installments.

After completing these steps, you will have car insurance coverage and be legally allowed to drive your vehicle on the roads in Ontario.

Can I Drive A Car Without Insurance If I Just Bought It?

No, it is illegal to drive a car without insurance in Ontario, even if you just bought the car. Once you purchase a vehicle, you must have insurance coverage before you can legally drive it on the road.

When you purchase a new or used vehicle from a dealer, they will typically require proof of insurance before you can take possession of the vehicle. If you do not have insurance at the time of purchase, you will need to purchase it before driving the vehicle off the dealer’s lot.

If you purchase a vehicle from a private seller, you will need to obtain insurance coverage on your own before driving the vehicle on public roads. It is important to ensure that you have proper insurance coverage before operating a vehicle on public roads in Ontario. If you are caught driving without insurance, you could face fines, license suspension, and other penalties.

Do You Need Insurance To Buy A Car?

No, you do not need insurance to buy a car in Ontario. However, you will need to have insurance coverage in place before you can legally drive the car on the road.

When you buy a car from a dealership, they may ask you to provide proof of insurance before they allow you to take possession of the vehicle. If you already have an existing car insurance policy, you may be able to add the new vehicle to your policy before you pick it up. If you do not have car insurance at the time of purchase, you will need to purchase insurance before you can legally drive the vehicle on the road.

If you are purchasing a vehicle from a private seller, you do not need to provide proof of insurance at the time of purchase. However, you will need to obtain insurance coverage before you can legally drive the vehicle on the road.

How Soon After Buying A Car Do You Need Insurance?

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In Ontario, you are required to have insurance coverage in place before you can legally drive a car on the road. Therefore, you should have insurance coverage on your newly purchased car as soon as possible.

When you purchase a car from a dealership, they may ask you to provide proof of insurance before they allow you to take possession of the vehicle. If you already have an existing car insurance policy, you may be able to add the new vehicle to your policy before you pick it up. If you do not have car insurance at the time of purchase, you will need to purchase insurance before you can legally drive the vehicle on the road.

If you are purchasing a vehicle from a private seller, you will need to obtain insurance coverage on your own before driving the vehicle on public roads. It is important to ensure that you have proper insurance coverage before operating a vehicle on public roads in Ontario.

If you are caught driving a car without insurance, you could face fines, license suspension, and other penalties. Therefore, it is important to have insurance coverage in place before you start driving your newly purchased car on public roads.

To Conclude

In conclusion, it is mandatory to have car insurance coverage in Ontario before you can legally drive a car on the road. The minimum coverage required by law includes third-party liability, accident benefits, and direct compensation – property damage coverage. However, you may want to consider purchasing additional coverage to provide more comprehensive protection for yourself and your vehicle.

When you purchase a car, whether from a dealership or a private seller, you need to have insurance coverage in place before driving the vehicle on public roads. The dealership may ask for proof of insurance before you take possession of the car. If you are caught driving without insurance, you could face fines, license suspension, and other penalties.

Therefore, it is important to have proper insurance coverage in place before driving any vehicle on public roads in Ontario.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.