Which of the following coverages is included in OAP 2 that differs from OAP 1?

In the Ontario Automobile Policy (OAP), the distinction between OAP 1 and OAP 2 relates specifically to certain optional coverages that are included in OAP 2 but not OAP 1. One significant coverage that differentiates OAP 2 from OAP 1 is Liability for Damage to Non-Owned Automobiles.

OAP 2 includes coverage for liability in the event that the insured is operating a vehicle that they do not own. This means that if an accident were to occur while operating a borrowed or rented vehicle, the insurer would cover damages for which the insured is held liable, thus providing a broader spectrum of protection for the insured.

This coverage is especially important for individuals who may frequently drive vehicles other than their own, giving them peace of mind knowing they are adequately covered. In contrast, OAP 1 does not provide this specific coverage, focusing instead on standard liability and accident benefits.

Understanding this difference highlights the value of reviewing insurance policies to ensure that adequate coverage is in place for various driving scenarios, especially when it comes to using vehicles that one does not own.