What is a common reason a driver might need to use OAP 2?

A common reason a driver might need to use the OAP 2 form is to avoid penalties for uninsured driving. The OAP 2 is the application for a Certificate of Insurance in Ontario and is essential for ensuring that drivers have the necessary proof of insurance coverage. When stopped by law enforcement, a driver must be able to demonstrate that they have valid insurance. If they are unable to do so, they may face significant penalties, including fines and possible vehicle impoundment. Therefore, having the OAP 2 ensures that a driver can prove their insurance status and comply with the legal requirements, ultimately helping them avoid penalties related to uninsured driving. This form not only serves as documentation of insurance but also as a safety net against the legal repercussions of driving without coverage.