Standard auto is what most drivers in Ontario are familiar with. However, a standard policy leaves you under insured. Two important optional coverages we offer all clients are Collision and Comprehensive coverage. In addition to these, there are several policy endorsements that might be right for you:
- Loss of vehicle use/non-owned auto covers the cost of a rental vehicle if it is being repaired or replaced, if the damage is the result of a covered loss on your policy. Rental car insurance can also cover physical damage to a rental car, negating the need to buy expensive coverage from rental car agencies.
- Accident protection/forgiveness protects your driving record in the event that you have an at-fault loss. This coverage can only be used once within a certain period, a second accident would still be charged to your record.
- Family Protection Coverage extends coverage to you or a member of your family from your Third-Party Liability. This is useful in a situation where you are involved in an accident that isn’t your fault, with someone who carries less insurance, no insurance, or is an unidentified driver.