What is typically required under the OAP 1 for vehicle property damage claims?

For vehicle property damage claims under the OAP 1 (Ontario Automobile Policy), the requirement for a deductible payment from the insured is a standard practice. This means that when a claim is made for damage to a vehicle, the insured party is often responsible for covering a certain amount out-of-pocket before the insurance coverage begins to pay for the remaining costs related to the damages.

The rationale behind this requirement is to encourage responsible driving behavior and risk management. By imposing a deductible, it helps prevent minor claims that could increase insurance premiums for all policyholders. The insured is motivated to handle minor damages themselves rather than relying on insurance, which allows the insurance system to function more effectively.

In contrast, the other options revolve around requirements that may not always be necessary for vehicle property damage claims. For example, proof of insurance from another driver may be required if there is a dispute regarding liability but is not a universal requirement under OAP 1. Similarly, witness details and rental vehicle expenses pertain to specific situations and claims scenarios, differing from the general requirement of having a deductible under the policy.