What specific aspect must a policyholder consider when applying for Uninsured Automobile coverage?

When applying for Uninsured Automobile coverage, a policyholder must consider that this coverage must be included in the Ontario Automobile Policy (OAP) endorsement. The OAP is the standard form used for auto insurance in Ontario, and it outlines various types of coverage that can be included in an automobile insurance policy. Uninsured Automobile coverage specifically protects policyholders in the event of an accident with a driver who does not have insurance or is underinsured.

Selecting this coverage through the proper endorsement ensures that the policyholder is adequately protected against losses incurred due to the actions of uninsured drivers. This aspect is crucial because if it's not explicitly included in the OAP endorsement, the policyholder may not have the necessary financial protection following an accident with an uninsured motorist. Therefore, understanding the importance of the OAP endorsement when applying for this specific type of coverage is vital for every driver.