Providing Car Insurance To All of Whitby
Car Insurance is one of the most important expenses for almost every individual who owns a vehicle in Ontario and Oshawa as well. Residents of Ontario pay on average the second highest auto insurance rates in Canada after British Columbia as per Insurance Bureau of Canada. There are several factors contributing to the high auto insurance premiums in Ontario.
What do I do if I am involved in a hit and run?
Call the police and report the incident within 24 hours or as soon as possible. Report it in the jurisdiction where it happened. Then call the insurance company. Provide all the information and make sure they understand it was hit and run. It is recommended you get a letter from your insurance company that the incident was hit and run.
What is No Fault Insurance?
In Ontario we often use this term - no fault insurance. It means regardless of the fault your own insurance company pays for your benefits and damage to your vehicle. The fault does matter in determining insurance premiums at renewal. If you are at fault, you will pay the collision deductible to fix your vehicle and your insurance premium may increase unless the accident is forgiven. If you donot have collision coverage the insurance company will not pay to fix your vehicle. For more explanation please call your Local Auto Insurance Broker in Whitby at 289 274 4807.
How does an Insurance Company decide who is at fault in an accident?
Insurance companies use The Insurance Act and the Fault Determination Rules to determine fault for an auto accident.
Am I at fault in a single vehicle Weather related Incident?
Yes you are. All single vehicle accidents are at fault accidents regardless of the weather, road conditions and visibility.
What is comprehensive coverage in Car insurance?
Comprehensive Insurance and Comprehensive coverage are not the same. The term Comprehensive means complete. Comprehensive auto insurance is a term usually referred to a full coverage auto insurance policy in Ontario. However comprehensive coverage refers to loss or damage caused by fire; theft or attempted theft; lightning, windstorm, hail or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of aircraft or parts of aircraft; or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which, the described automobile is being transported; falling or flying objects, missiles and vandalism. A deductible usually applies. For more information please call our Local Independent Insurance Brokerage office at 289 274 4807.
How do I cancel my insurance policy?
The best way to cancel the policy is by sending a signed cancellation notice to your broker. But, before you take the step talk your broker to discuss your options and reasoning behind cancellation of the policy.
I am an Uber driver. How am I insured?
Intact insurance is the underlying commercial insurance policy for UBER. From the moment Uber driver is available to pick a ride till he/she drops off the last passenger Intact Commercial Insurance policy is active. The coverage applies to all Uber drivers and passengers. It is important to let your insurance provider know that you intend to use your vehicle for Uber. If not disclosed your insurance claim can be denied and insurance policy can be cancelled for misrepresentation.
Is Uber eats, doordash, skip the dishes etc covered?
Insurance companies consider these services as food delivery services or fast food delivery services. Such services are not covered through the Private Passenger Auto Insurance. The drivers need commercial insurance to insure their vehicle properly.
How much discount for winter tires?
A winter tire discount is available in Ontario. You need to talk to your insurance provider if you have or intend to buy winter tires as the winter tire discount varies from company to company.
Do I get discount for winter rated tires or all weather tires?
No, winter tires discount is available only for winter tires. They should have the mountain snowflake symbol which indicates a winter tire meets the minimum requirements for providing traction during wintry conditions.
What is Graduated Licensing?
In Ontario it is a 3 step process
G1- multiple choice test
G2 - ROAD TEST
G FINAL HIGHWAY TEST
If you do driver training course please make sure it is done through a ministry approved school. Please use this link to verify your schools is approved - http://www.mto.gov.on.ca/english/driver/driving-schools.shtml
G1- multiple choice test
G2 - ROAD TEST
G FINAL HIGHWAY TEST
If you do driver training course please make sure it is done through a ministry approved school. Please use this link to verify your schools is approved - http://www.mto.gov.on.ca/english/driver/driving-schools.shtml
Does Credit Score affect my auto insurance rates?
No, not in Ontario.
Is there any tax on Auto Insurance Premiums?
No taxes are applied for Auto Insurance Premiums. However if you pay on a monthly basis most insurance companies charge a 1.3% service fee or interest.
Does Marital Status affect Insurance Rates?
Yes and No.
Most companies provide a cheaper rate if you are married and under the age of 25. For adults above the age of 25 years, there are a few companies which provide cheaper rates as compared to a single person of the same age, record, post code and vehicle.
Most companies provide a cheaper rate if you are married and under the age of 25. For adults above the age of 25 years, there are a few companies which provide cheaper rates as compared to a single person of the same age, record, post code and vehicle.
I am moving to Ontario from US or other Canadian province. What should I do?
Make sure you get 2 documents from your current province of residence – Letter of Experience and a 3-year Driver’s abstract.
If you are moving from the USA and have lived in various states you need a letter of experience from each state. You will also need your recent 3 years driver abstract from the DMV. If you have the abstract and the letter of experience, most Insurance companies in Ontario will honour the history and provide better insurance premiums.
If you are moving from the USA and have lived in various states you need a letter of experience from each state. You will also need your recent 3 years driver abstract from the DMV. If you have the abstract and the letter of experience, most Insurance companies in Ontario will honour the history and provide better insurance premiums.
I am moving from another country?
If you have a system of auto insurance in the country of your residence please get a letter of experience from your insurance company, notarized and translated in English. Some Insurance companies in Ontario honour foreign experience.
Can I use Insurance Pink slips on my phone or tablet as proof of Insurance?
Yes you can in Ontario. Make sure you have a downloaded copy not an online copy as sometimes you may not have Internet or data services in some regions of Ontario. As of September 05 2019 FSRA has approved the use of digital pink slips. Please click the link for more details https://www.fsrao.ca/industry/auto-insurance-sector/guidance/modernizing-automobile-insurance-approval-electronic-insurance-card
If you are travelling out of province please have a hard copy as proof of insurance.
If you are travelling out of province please have a hard copy as proof of insurance.
How Can I pay for my Auto/Car Insurance Policy?
It depends on your insurance company. Most companies accept credit cards for annual payments and pre authorised checking for monthly instalments. Some companies have a bi-annual, 3 pay, 4 pay, and monthly credit card as options too. It is important to know that if you choose a payment plan there is a service fee associated with it. For all monthly pay option the service fee is 1.3% for auto insurance policies in Ontario.