How Does An At-Fault Accident Affect Me?

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A driver can be anywhere between 0% – 100% at fault. Any driver who is more than 0% at fault will have an at-fault accident on his or her insurance record. If you’re found more than 25% at-fault for the accident, it’s likely that your premium will go up on renewal. In addition, some companies […]

How Can I Lower My Insurance Costs?

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There are in fact many ways to get a discount on your premium. Some companies offer discounts for low kilometer use or if two or more vehicles are insured for the same household. Buying a car with a lower-cost insurance rating will also help lower your cost. Graduating from an approved driver training course will […]

What Influences My Premium?

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Automobile premium levels are affected by many factors, such as: – The ways you use your vehicle: do you drive to work? Or use your car for your business E.g.: deliveries? – The type of vehicle you drive, the year, make, model and body type of your vehicle. – How many kilometers are driven annually. […]

How Do Deductibles Work?

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A deductible is a specified amount of money that the insured must pay before an insurance company will pay a claim. Higher deductibles usually mean lower premiums but higher financial risk. If you’re not at fault for a collision under the standard Ontario policy, there is no applicable deductible. However, you can select an optional […]

What Insurance Is Optional And Not Required By Law?

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The following insurance is optional coverage; therefore you’re not required by law to purchase these types of insurance. However, if your car is not paid off, the person or group you’re making payments to may require you to have two types of coverage to protect their interest in your vehicle: collision and comprehensive coverage. Collision […]

What Coverage Is Legally Mandatory In Ontario?

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It’s illegal to drive without specific insurance coverage in Ontario. You’re required by law to have the following coverage: Direct Compensation – Property Damage (DCPD): This coverage allows you to claim for damage to your vehicle and its contents caused by someone else. DCPD means that, if you’re not at fault in a collision with […]

What Should I Know About A Lapse In Coverage?

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A lapse in insurance coverage is not a problem unless: – You drive the uninsured car or permit the car to be driven during the lapse in coverage (driving uninsured is illegal). – Your license was suspended because of a conviction related to the operation of the automobile. (E.g. DUY), this will negatively affect you in the […]

Why Is It Important To Pay Premiums On Time?

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It is very important to pay premiums on time to ensure that you’re insured and stay insured. If you don’t pay your premiums your account will become “delinquent” and may even be cancelled. If you’re having problems paying on time, contact your broker as additional time or alternative payment may be offered. It’s best not […]

What Do I Need To Apply For Car Insurance?

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Here is some of the information you will need to provide on an automobile insurance application: Vehicle information including: the year, make, model, body type, engine size, the VIN (serial number), as well as your estimated annual driving distance. We’ll need to know the main uses of the automobile, whether used for business, for driving […]

Do I Need Car Insurance?

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Yes you do. It is the law in Ontario that all motorists have auto insurance. Fines for drivers who do not have valid auto insurance range from $5,000 – $50,000. If you are caught driving without valid auto insurance, you can have your driver’s license suspended and your vehicle could even be impounded! If you’re […]