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What are You Using Your Vehicle for? It Matters!

You can get sideways with your insurance company because you haven't been upfront about how you are using your vehicle. For example, do you drive your car to work? If so, you will pay more for auto insurance than if you take mass transit. In fact, the further you...

Who is Covered When You Buy Auto Insurance?

All the coverages in your auto policy apply when you are driving, but they also apply when other people are driving your vehicle. The coverages are actually for the car, not the person. * Note. If someone is going to be a regular user of your car, that person's name...

Do You Need to Increase Your Auto Insurance Coverages?

In addition to buying "optional coverages" for extra protection, you have the option to increase the coverage of some of the mandatory coverages you already have (such as the Liability and Accident Benefits). Let's talk about that briefly: How much insurance do you...

More Auto Insurance Coverages Available in Ontario

There are some additional coverages you can buy. You can buy rental reimbursement ("Loss of Use"), which will pay for a rental car while your vehicle is being repaired. ( If the accident was not your fault, the cost of the rental car is automatically picked up by your...

Did You Know There Are Several Distinct Coverages in an Auto Policy?

Auto insurance is a product with a few distinct coverages. Let's look at them briefly here: 1. Bodily Injury Liability (Mandatory)- This pays the medical and other expenses of those people injured or even killed in accidents you cause. In Ontario, you are required to...

How Much Auto Insurance Should You Buy?

In Ontario, auto insurance is mandatory. But the government doesn't require you to buy 'Accident Benefit upgrades ' or the so-called 'full coverage'. You are only required to buy the minimum liability coverage*. This is so you can pay for some of the damage your...

Auto Insurance: A Commodity?

There are several ways you can purchase auto insurance. You can buy it over the Internet at literally hundreds of different web sites. You can call an 800 number and buy it over the phone directly from an auto insurance company. You can call an insurance agent or an...

Ontario Auto Insurance Reform 2010

What you need to know about changes to auto insurance in Ontario The Ontario government has introduced significant reforms to the auto insurance system in order to provide you, the consumer, more choice over the coverages and price you pay for insurance. These...