Which of these is NOT a main coverage on an Ontario Automobile Policy (OAP1)?

The choice of Direct Property Damage coverage is correct as it is not considered a main coverage outlined in the Ontario Automobile Policy (OAP1). The OAP1 specifically delineates the primary coverages that are included in the standard automobile insurance policies in Ontario.

Accident benefits are essential under the OAP1, providing coverage for medical and rehabilitation expenses for insured individuals injured in an accident, regardless of who is at fault. Direct Compensation Property Damage (DCPD) is also a hallmark of Ontario automobile insurance, allowing insured drivers to be compensated, under certain conditions, for damage to their vehicle and property resulting from an accident, without needing to claim through their own insurance. Third-party liability coverage is another central aspect that protects the insured from financial loss if they are found responsible for causing bodily injury or property damage to another party.

It’s important to note that while the term "Direct Property Damage coverage" may evoke thoughts of property-related coverage, the formal designations within the OAP1 use different terms, leading to its exclusion as a main coverage. The coverage structure of the OAP1 is specific, and understanding these distinct categories is vital for comprehending automobile insurance in Ontario.