Ontario motorists must have the following coverages: Liability, Accident Benefits, Uninsured Automobile and Direct Compensation Property Damage. You may also purchase additional insurance for loss or damage to the automobile or motorcycle and Optional Increased Accident Benefits. This is a brief explanation of the insurance coverages available to you. For complete details you must consult an Ontario Automobile Policy (OAP 1). Riders Plus will supply you with a copy if you request it.