You could save up to $500* on your car insurance in Ontario

Just like the rest of Canada, car insurance is mandatory in order to be able to drive in the province of Ontario. This ensures that all parties are covered in the event of an incident that causes property damage or personal injury. In Ontario, the minimum liability coverage you'll require for auto insurance must cover third party liability, accident benefits coverage, uninsured automobile coverage and direct compensation-property damage coverage.

The car insurance policy limits required by law in Ontario include:

Third party Liability:
$200,000 coverage

Accident Benefits Coverage:
$65,000 for Non-catastrophic injuries (such as broken bones or whiplash).
$1,000,000 for Catastrophic injuries (loss of limbs, spinal cord injuries, etc.).
$250 per week for the first dependant along with an additional $50 per week for each additional dependant.
$100 per week for housekeeping and home maintenance expenses in the event of catastrophic injuries

Uninsured Automobile Coverage:
Any damage, injury or death that occurs from an accident involving an uninsured driver or a hit-and-run.

Direct Compensation - Property Damage Coverage:
This will cover any damage to your car and its contents in the event of an accident that was not your fault.

The minimum amount of coverage required in Ontario is $200,000. This would cover any property damage, injury or death caused by an accident you are found to be responsible for. The minimum amount of coverage doesn't include all eventualities so to ensure you get the coverage you specifically need, consult with one of our agents.

No fault insurance is the system used to handle claims in Ontario. It simply means that, regardless of which party is found at fault for an accident, they will each deal with their own respective insurance company to handle their claims. You won't have to deal with the other person's insurance company at all. This system makes it easier to address claims while saving time and money.

In the event that you wish to add a secondary driver to your policy so they can drive your car, you'll need to contact your insurance agent. Several criteria may affect how much the new driver will have to pay such as age, marital status, how long they’ve had their license and their driving experience. Having one of your children as a secondary driver is an excellent way to bring down their premiums while building a their insurance history.

In Ontario, if you're involved in an accident where you are proven not to have been at fault, you will not have to pay for the deductible on your car insurance. Any repairs will be covered through the Direct Compensation section of your policy, which is part of the mandatory coverage required in Ontario. However, if you’ve chosen to add a deductible to Direct Compensation – Property Damage, you will have to pay the deductible even when found not to have been at fault. If the accident was a hit-and-run and you were not able to identify who hit you, you'll have to pay out of pocket if you don't have collision coverage in your policy. Should you be able to identify the person who hit you, you may be covered through Direct Compensation. However, the person who hit you will need to have insurance for this coverage to apply.