What kind of driver does OAP 2 cater to?

The Ontario Automobile Policy (OAP 2) specifically caters to drivers who do not have their own insurance coverage. This type of policy provides a way for these drivers to handle their financial responsibility in case of a vehicle accident. It is intended to ensure that individuals who may not have access to their own insurance can still operate a vehicle legally and have some protection against liability claims that may arise from their driving activities.

The importance of this coverage is rooted in the legal requirements for insurance in Ontario, which mandate that all drivers must have a minimum level of insurance coverage. By providing options for those without their own insurance, the OAP 2 promotes road safety and compliance with the law, ensuring that even those who are uninsured are protected in accidents involving other parties.

In contrast, the alternative scenarios, such as owning the vehicle, renting it, or already having a valid license with insurance, represent situations where individuals have their own insurance arrangements in place, making OAP 2 unnecessary for those drivers.