Is OAP 2 a requirement for all drivers in Ontario?

OAP 2, also known as the Ontario Auto Policy 2, is not a requirement for all drivers in Ontario; its necessity is primarily determined by specific situations rather than being universally mandated for every driver. The OAP 2 form is utilized mainly to provide additional optional coverage for specific accident benefits in instances where standard coverage may not be sufficient.

Generally, while all drivers must carry a form of automobile insurance, the OAP 2 is designed for individuals who are looking for extra protection beyond the basic required coverage. Many drivers may choose to operate under the standard insurance policy without needing the extra benefits that come with OAP 2. Therefore, it is not commonly required for the average driver, thus making the assertion that it is rarely required accurate.

Those choices highlight specific scenarios where additional requirements might seem applicable, but they do not reflect the broader context of everyday insurance needs for all drivers in Ontario.