The Ontario Automobile Policy contract (also known as the OAP1) is specific to Ontario, a province that has a partial no-fault system, also known as a direct compensation plan. Ontario motorists must carry at least $200,000 in liability limits to be compliant with the law, although most people purchase one or two million-dollar limits.
The rest of the common law provinces use the Standard Policy Form (also known as the SPF1) and have a variety of different automobile insurance plans.
The OAP1/SPF1 contract is used for both private passenger and commercial automobiles, except for garage risks. Coverage for garage risk exposures require legal liability for damage to customer’s automobiles and have other unique commercial property and liability coverage aspects that require a special program.
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