The foundation of the Ontario auto insurance policy did not change with Ontario's 2010 auto insurance reforms. Your auto insurance policy continues to include:
Accident Benefits coverage provides compensation for items like medical and rehabilitation treatments, attendant care costs, and loss of income to people injured in a car collision, regardless of who caused the accident.
Direct Compensation-Property Damage (DC-PD)
DC-PD covers damage to your vehicle or its contents if another person was at fault for an accident that occurred in Ontario and where both drivers are insured by an insurance company licensed in the province.
Third-party liability covers you if you are held legally liable for your vehicle injuring or killing someone else or damaging his or her property. If you are held liable for more than your coverage, you can be held personally responsible for the balance.
Uninsured Auto coverage
Uninsured Auto coverage provides payment if you are injured or killed through the fault of an uninsured driver, or by an unidentified vehicle like in a hit-and-run. It would also pay for property damage.
Optional coverages, like Collision and Comprehensive
The choices available to you when selecting these coverages as well as any deductibles did not change.
Kanetix's reform centre: Ontario's 2010 auto insurance reforms