Automobile Insurance

Ontario Motorists are required by law to carry mandatory insurance coverage on every automobile before being driven.  Insurance companies offer more than the basic auto insurance required by Ontario law, which is designed to enhance your automobile insurance coverage.

When you buy auto insurance you will receive a Motor Vehicle Liability Insurance Card ( your pink card ).  This is proof that you have the required auto insurance coverage.  Your auto insurance is valid in Canada and the United States.  We recommend you leave your insurance card in your vehicle or have it with you at all times so you and other drivers can produce this if the police request it.  You will also need this insurance card when you first register your automobile and each year when you renew your license plate sticker.The business of car insurance is regulated by the provincial government, who sets the minimum coverage standards.  The government also monitors how much insurance companies charge for their products. Insurance companies can change neither the basic coverage nor premiums without government approval.

Mandatory Coverage in Ontario

Third Party Liability - This provides coverage for you or other insured persons if someone else is killed or injured or their property is damaged in an automobile incident. It will pay for legitimate claims against you or other insured persons up to the limit of your coverage, and the cost of settling claims.  

Accident Benefits - This provides you and other insured persons to receive benefits if injured or killed in an automobile accident. These benefits include:

• income replacement for persons who have lost income
• payments to non-earners who suffer complete inability to carry on a normal life
• payment of care expenses to persons who can no longer act as primary caregiver for a member of their household
• payment of medical, rehabilitation and attendant care expenses
• death benefits to survivors of a person who dies in an auto accident
• payment of funeral expenses

Uninsured Automobile - This provides coverage if you or other insured persons are injured or killed by an uninsured motorist or by a hit-and-run driver.  It also covers damage to your automobile caused by an identified uninsured motorist subject to a $300 deductible

Direct Compensation / Property Damage - This provides coverage for damage to your automobile, because of an accident, when another motorist is at fault   It is called Direct Compensation because you will collect from your insurance company, even though you are not at-fault.

Optional Insurance in Ontario

Policy enhancements include but are not limited to:

• Increased Third Party Liability - You may purchase coverage beyond the minimum limits required by law.
• Optional Increased Accident Benefits - You may also purchase Optional Increased Accident Benefits to increase the basic level of benefits provided by your policy including increasing the Income Replacement, Caregiver and Dependant Care, Medical rehabilitation and Attendant Care, Death and Funeral Expenses and Indexation Benefits.
• Loss or Damage to your Automobile - This provides coverage for direct and accidental loss of, or damage to, your automobile.  There is usually a deductible amount indicated for each area coverage.
• Collision - This covers damage to your automobile when it is involved in a collision with another object / vehicle.
• Comprehensive - This covers damage to your automobile against loss or damage other than those covered by collision including things like theft, vandalism, fire, and falling or flying objects and all the specified perils.
• Specified Perils - This covers damage to your automobile against loss caused by certain specific perils. They are fire; theft or attempted theft, lightning, windstorm, hail or rising water, earthquake, explosion, riot; stranding, sinking, burning and derailment or collision while being transported.
• Transportation Replacement - Provides for a rental vehicle while the insured vehicle is out of use due to an auto accident.

Limited Waiver of Depreciation

Waives depreciation charges in the event of a total loss, for the original owner of a new private passenger type vehicle, for up to 24 months. Certain other conditions apply.

The Ontario Auto Insurance Owners Form!

Other Auto Insurance Endorsement Forms.

Our Commitment - We commit to continue to provide you with personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support that you need and deserve.