All drivers require auto insurance in order to drive legally in Ontario. Every vehicle registered in the province must be insured and proof of insurance must be provided in order to register or renew your registration.

From damage to your vehicle to accident benefits for you and your passengers should there be an unforeseen accident auto insurance is developed to protect all drivers from the inherent risk of operating a motor vehicle.

Third Party Liability – Protects you against third party claims of property damage or bodily injury that may occur due to the use of a motor vehicle

Accident Benefits – Provides reimbursement for medical expenses for injuries to you or your passengers, lost wages, and other related expenses. Additionally, accident benefits coverages can be increased from provincial mandatory minimums.

Direct Compensation Property Damage – Reimburses you for repairs to your vehicle in the event of an accident where you are not at fault.

Uninsured Auto – Coverage is provided to you when an accident is caused by an uninsured motorist or in the event of a hit-and-run.

Optional Coverages:

• Collision or upset – Reimburses you for the cost of repair to your vehicle in the event of a collision where you are determined to be at fault or partially at fault.
• Comprehensive – provides coverage for your vehicle against hazards such as theft and damages other than collision such as fire, falling objects, etc.
• Loss of Use – provides reimbursement for a rental vehicle in the event of an insured loss while your vehicle is being repaired.
• Rental Vehicle – This coverage is usually purchased in tandem with “loss of use” and provides coverage for rental vehicles.