Priorities of payment in Ontario auto insurance relate to which two types of losses?

• A. Bodily Injury and Property Damage
• B. Collision and Direct Compensation
• C. Comprehensive and Bodily Injury
• D. Bodily Injury and Collision

Answer: (A)

Ontario auto insurance handles losses in two distinct streams: injuries to people and damage to property. When someone is injured in an accident, accident benefits from your own policy provide no‑fault coverage for medical care, rehabilitation, wage loss, and related needs. This is the priority path for bodily injury losses. For damage to vehicles or other property, Direct Compensation for Property Damage (DCPD) covers payment, typically through the at‑fault driver’s insurer, so property‑damage losses are addressed separately from injuries. So the two loss types this payment priority relates to are bodily injury and property damage. The other options mix in coverage types that aren’t the two main loss categories used for this priority.