AUTO INSURANCE 

All Optional Items and Discounts Vary by Carrier.Please contact our office to see if you qualify for these items.

What is Automobile insurance, what does it cover and what options do I have?

Automobile Insurance is a contract between you and an insurance company, which protects you against financial loss if you have an automobile accident.

In Ontario, the law requires that motorists must have automobile insurance - driving without valid automobile insurance can result in your license being suspended, your vehicle being impounded, and a fine or criminal charges.

What are the coverages of Automobile Insurance?

• Mandatory Liability
• Statutory Accident Benefits
• Optional
• Physical Damage to the Vehicle
• Rental Coverage
• Vandalism
• Theft by Household Members or Employees
• Third Party Liability for Out of Town Car Rentals (Canada and Continental USA) which should go hand in hand with physical damage to rental vehicles
• Increased Accident Benefits (See Our Schedule of Options to Purchase under Resources Tab)
• Damage Waiver Protection (Vehicles Under 24 Months Old Excluding DemonstrationVehicles)
• Accident Forgiveness
• Minor Conviction Protection
• Disappearing Deductible

What Do I do when I have a claim or potential claim?

1. Take as much information and pictures at the scene as possible
2. Never admit fault
3. Call your broker every situation is different

How will a claim affect my insurance?

• Do not worry about this.A vehicle and property we can fix.Lives and permanent injuries we cannot.

Will the insurance company replace my car?

• Insurance companies have the option to replace, repair or pay for the vehicle (Cash Settlement) subjectpolicy terms and conditions

What happens if I take a cash payout?

• You are responsible for replacing your property without insurance company warranties

What do I do if I get in an accident and get a notice of suit?

• Contact your broker immediately

What do I do if I get hurt in a car accident?

• See your doctor for an assessment/Go to a hospital
• Call your broker immediately

Will the insurance companies pay for my injuries from a car accident?

• Subject to policy terms and conditions they will work to get you back to your normal life as soon as possible