Which of the following is NOT considered a mandatory auto coverage?

Income replacement is not considered a mandatory auto coverage under Ontario’s statutory accident benefits system. While it is an important component of optional coverage that can be added to a policy, it does not fall under the category of mandatory coverages that all drivers are required to have.

In Ontario, the mandatory auto coverages include accident benefits, which provide various types of assistance following an accident, such as medical expenses and rehabilitation costs; direct compensation – property damage (DCPD), which covers damage to your vehicle when you're in an accident that is not your fault; and uninsured automobile coverage, which protects you if you are involved in an accident with an uninsured driver.

Understanding the distinction between mandatory and optional coverages helps drivers recognize the minimum requirements for legal driving and how they can customize their policies for additional protection.