Which of the following is typically not a mandatory coverage in Ontario?

Collision coverage is considered optional in Ontario, which is why it is the correct answer to this question. Ontario's mandatory automobile insurance requirements include third-party liability coverage, accident benefits coverage, and uninsured motorist coverage.

Third-party liability coverage is essential as it protects the insured against claims made by others for damages resulting from an accident where the insured is at fault. Accident benefits coverage is also mandatory and provides compensation for medical expenses, rehabilitation, and income replacement for the insured and their passengers, regardless of who is at fault in an accident. Uninsured motorist coverage is crucial because it protects drivers against losses if they are involved in an accident with an uninsured driver.

In contrast, collision coverage, which pays for damages to your own vehicle in the event of a collision, is not required by law. Drivers may choose to include collision coverage in their policy, but it is not a mandatory part of the insurance that all vehicle owners must have in Ontario.