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Automobile (Ontario)

Automobile insurance is a mandatory in Ontario. Anyone who is licensed and owns a car must buy at least the minimum liability and accident benefit coverage.

Your automobile may not have coverage for every injury or there may be limitations. Find out how to eliminate that gap with term insurance, critical illness or life insurance.

Your vehicle must carry a minimum amount of liability coverage. This is to ensure there is a minimum amount of money available if someone makes a successful claim against you. However, if the claim is for more than the coverage that you have, you will be responsible to pay the difference. That's why many drivers choose the security of liability coverage that is more than the minimum coverage required by the Provincial law.

Did you know when you are in an automobile accident, your accident benefits will only be available after any primary coverage that you may have pays your expenses.

To ensure you have the best accident benefits available to you, please call our office.

Collision provides coverage in case your vehicle is involved in a collision or accident.

Comprehensive provides coverage for your vehicle against damage caused by a variety of denned perils such as theft, tire, falling or flying objects and vandalism.

Did you know your rates are determined by where you live, years licensed, age, type of vehicle and coverages required, traffic  violations such as speeding or at fault accidents.

If you're driving with a blood alcohol concentration (BAC) from 0.05 to 0.08 (known as the "WARN RANGE"), the police can immediately suspend your license up to three days for a first occurrence, seven days for a second occurrence and 30 days for a third or subsequent occurrence. In each case, there is also a $150.00 administrative penalty. These roadside license suspensions cannot be appealed and remain on your record for five years.

We also insure your recreational vehicles such as motorcycles, snowmobiles, ATVs.