It goes without saying that no one wants to be injured in a car, truck or pedestrian accident. If you are, however, does your auto insurance policy provide sufficient coverage? When Ontario drivers buy auto insurance, they often do not know what types of coverage they are buying. Moreover, they often do not know how the coverage works. One reason is due to the fact that drivers who buy auto insurance are usually first time car owners and have never had to buy auto insurance before. This article will break down the basics of a standard auto insurance policy.