This section of your automobile insurance policy protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs of settling the claims. By law you must carry a minimum of $200,000 in Third-Party Liability coverage.

这个保险在有其他人被撞死或者受伤或者他们的财产受损失保护你。它会支付依法裁决的您应支付的部分，最高达到您保费的限额，并且支付安置费。法律规定，您必须购买至少20万的第三者保险。

This section of your automobile insurance policy provides you with benefits if you are injured in an automobile accident, regardless of who caused the accident including supplementary medical, rehabilitation, attendant care, caregiver, non-earner and income replacement benefits.

这个保险在您在车祸中受伤时提供津贴，包括医疗补助、复原、照顾、照顾者、无收入、收入替代津贴，无论责任方是谁。

This section of your automobile insurance policy covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, to the extent that another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer, instead of the person who caused the damage.

在车祸中其他人有责任时，这个保险赔付您的机动车的或者车内的财物的损失、以及由这些损失造成的损失。之所以叫直接损失险，因为您直接从您的保险公司得到赔偿，而不是找造成损失的人要钱。

Note: Coverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met:

• the accident took place in Ontario;
• there was at least one other vehicle involved in the accident; and
• at least one of the other vehicles is also insured by an insurance company that is licensed in Ontario or has signed a special agreement with FSCO to provide this coverage.

If these conditions are not met, then you can make a claim on your optional Collision coverage (if you have it), whether or not you are at fault. If you don't have Collision coverage, you may be able to pursue recovery from the at-fault driver to the extent you were not-at-fault for the accident.

Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver.

在您或者您的家人被无保险车辆撞死或撞伤时保护您，也包括您的汽车的损失。

Increased Third-Party Liability Coverage:

You may also want to consider increasing your Statutory Accident Benefits coverage by buying any or all of the optional benefits listed below.

Income Replacement Benefits: If you cannot work as the result of an automobile accident, you may be eligible for basic weekly income replacement benefits of up to $400. If this is not enough to cover your current after tax income level, you may want to consider buying optional income replacement benefits to increase your maximum weekly protection to $600, $800 or $1,000.

Medical, Rehabilitation and Attendant Care Benefits: The standard maximum amount for medical and rehabilitation expenses, such as physiotherapy, chiropractic treatment, dental expenses, etc., is $100,000. If you are catastrophically injured, the standard maximum is $1,000,000. The standard maximum for attendant care is $72,000. If you are catastrophically injured, the standard maximum is $1,000,000. You can buy optional benefits which will cover up to $1,172,000 in additional medical, rehabilitation and attendant care expenses, and up to $3,000,000 for catastrophic injuries.

Caregiver Benefits: If you are providing care full-time to dependants and can no longer provide that care as the result of an automobile accident, you may be eligible for caregiver benefits if you need to hire someone to care for your dependants. The standard maximum amount for caregiver benefits is $250 per week for one dependant, plus $50 per week for each additional dependant. If you buy optional caregiver benefits, the coverage increases to $325 per week for one dependant, plus $75 per week for each additional dependant.

Dependant Care Benefits: You can only claim optional dependant care benefits if you were employed at the time of the accident, are not receiving a caregiver benefit, and have to pay for additional childcare expenses as a result of the accident. Optional dependant care benefits cover up to $75 per week for the first dependant and $25 for each additional dependant.

Death and Funeral Benefits: In the event that you die as a result of an automobile accident, the standard amount which will be paid is $25,000 to your eligible spouse or same-sex partner, $10,000 for each dependant, and a maximum of $6,000 for funeral expenses. If you buy optional benefits, you can increase these amounts to $50,000 to your eligible spouse or same-sex partner, $20,000 for each dependant, and $8,000 for funeral expenses.

This coverage pays for losses, other than those covered by Collision or Upset, including perils listed under Specified Perils, falling or flying objects, missiles and vandalism.