This is what I got from the web-site (Sorry for the format):
Standard Auto Coverage
Direct compensation- property damage
coverage (Ontario only)
Accident benefits coverage
Collision or upset coverage
Comprehensive coverage
Depreciation waiver coverage
Damage to non-owned automobile
coverage
Emergency road service coverage
Family protection coverage
Loss of use coverage
Liability limit
Uninsured motorist coverage (Ontario
and Alberta)
Uninsured automobile and unidentified
driver (Atlantic Provinces)
Direct compensation- property
damage coverage (Ontario only)
This option is mandatory in Ontario. It
provides coverage for damage to your car
and any of your property inside the car,
because of an automobile accident where
you are not-at-fault.
Accident benefits coverage (not
applicable in Qu殁ec)
Accident Benefits Coverage provides for
you and your family if you are injured or
killed in an automobile accident. Accident
Benefits provide income replacement for
persons who have lost income as well as:
payments to non-earners who are
not able to carry on a normal life;
payment of care expenses to persons
who can no longer act as a primary
caregiver for a member of their
household;
payment of medical, rehabilitation
and attendant care expenses;
payment of certain other expenses;
payment of funeral expenses and
payments to survivors of a person
who is killed.
Collision or upset coverage
Collision coverage protects your vehicle if
it is damaged in an accident. This
coverage is optional because the cost of
insuring some older vehicles for collision
could be higher than the value of the
vehicle itself.
There is usually a deductible amount
indicated for this coverage. The
deductible is either paid by you, toward
the cost of repairs, or is deducted from
the claims settlement.
Comprehensive coverage
Comprehensive coverage protects your
car against loss or damage other than the
collision coverage. This would include
falling or flying objects, missiles and
vandalism.
There is usually a deductible amount
indicated for this coverage. This amount
is either paid by you toward the cost of
repairs or is deducted from the claims
settlement.
Depreciation waiver coverage
Has your car been written-off in an
accident within the first 24 months of the
original delivery date? This optional
coverage ensures that you will receive the
full value of what you paid for the car --
without depreciation. If your car can be
safely repaired, your insurance company
will arrange for necessary repairs.
Damage to non-owned automobile
coverage
If you need to rent a car for a short term,
this option provides you with collision
and comprehensive coverage on the
rented car. This type of insurance can get
expensive if you purchase it from a rental
car company. Some of these companies
charge up to the same amount per day for
this coverage, as you pay for a year's
premium.
Before you sign up for this coverage, take
a moment to check with your rental car
company and your credit card company.
You may already have this coverage
elsewhere.
Emergency road service coverage
Stuck at the side of the road with a
non-functioning car? This coverage pays
for your towing services. Before you sign
up for this coverage, be sure to check if
you already have emergency roadside
assistance coverage with an independent
company.
Family protection coverage
Family Protection Coverage provides
coverage for you and your family from the
actions of an at-fault, underinsured
driver. If you are travelling in a province
or a state where the mandatory liability
coverage is low, Family Protection
Coverage ensures that you and your
family are covered if you are injured in an
accident up to your own policy's limits
regardless of the other person's coverage
levels.
Loss of use coverage
Say you're involved in an accident and
your car is damaged. Loss of use
coverage pays for a rental car or alternate
transportation (like taxi or train fares)
while your automobile is being repaired.
Coverage limits can be $50/day up to a
maximum of $750 per claim.
Liability limit
Liability insurance provides coverage for
you if someone else is injured or killed. It
also provides coverage if their property is
damaged as a result of an automobile
accident. Ontario has a "no-fault" car
insurance system. This means that if
you're injured or your car is damaged,
then you deal with your own insurance
company, no matter who is at fault. You
don't have to go after the at-fault driver
for compensation. If you are legally
responsible for an accident, then you are
also legally responsible for the damages.
If you are uninsured, you will be charged
with driving without insurance, and you
may be fined. You may also have your
driver's licence suspended until you have
made satisfactory arrangements to repay
the amount owing.
Uninsured motorist coverage (Ontario
and Alberta)
Provides coverage for you if you are in an
accident with an at-fault, uninsured
driver who is identified at the scene of the
accident.
Uninsured automobile and
unidentified driver (Atlantic
Provinces)
This option provides coverage if you are
in an accident with an at-fault, uninsured
driver. It even covers you if the driver is
not identified at the scene of the accident.
(e.g. hit-and-run accidents)
