Every province has legislation requiring vehicles to be insured. In Ontario, the Compulsory Automobile Insurance Act was first passed in 1979. The legislature wanted to be certain that every person suffering loss or injury would have access to insurance money as a result of a motor vehicle accident. It is an offence for the owner of a vehicle to operate or allow someone else to operate a vehicle on a highway unless that vehicle is insured. The driver of a vehicle is required to have an insurance card with the vehicle at all times, to prove that there is a valid policy on the vehicle. Individuals charged with Operating and Uninsured Vehicle or Failing to Produce Proof of Insurance are susceptible to severe monetary penalties if convicted.
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