Let Ontario West Insurance Brokers help you find the best insurance for your needs. In Ontario, it is mandatory to have certain coverages for your automobile.
Third Party Liability - Protects you as a driver should an accident cause property damage, injury, or death to another person. If you’re found liable for damages, you will be insured up to the amount of your coverage, from claims resulting from the accident, as well as for the costs of settling those claims. The minimum coverage required by law for Third-Party Liability Coverage is $200,000; however, higher coverage options are available.
Accident Benefits - Statutory Accident Benefits Coverage provides you with benefits in case of an injury from an accident, regardless of who caused it. Benefits include any medical costs beyond what is covered by healthcare, rehabilitation and attendant care, as well as replacement of any lost income due to the accident. Accident Benefits Coverage can also cover the costs of being unable to provide for someone if you are their caregiver, and non-earner benefits.
Uninsured Automobile Coverage - Coverage that insures you and your loved ones against injury or death by a hit-and-run or uninsured driver. It can also cover your vehicle damage in the event that the other driver, if they are identified, does not have insurance of their own.
While it is law to have minimum third party liability coverage, at Ontario West Insurance Brokers, we recommend that your minimum liability coverage is $2,000,000.
Additional coverage can be added to your automobile policy.
Increased third party liability coverage - Increase your third party liability coverage to from $1 Million to $2 Million, or add a personal umbrella for higher limits
Increased coverage on vehicle loss or damage - Increase your vehicle protection to include events and perils not covered in your basic Compensation – Property Damage Coverage.
Increased accident benefits - Increase your accident benefits for expenses such as medical and rehabilitation, attendant care, income replacement, death and funeral, and more.
Is it time to get on the road in your Classic Car?
Summertime is the time for toys, do you know what value your collectible car has? Did you know that in the event of a total write off you get the agreed value of your vehicle? It’s important to make sure the value is current and correct.
Emergency Car Kit:
Carry these items in your trunk in a box or duffel bag.
- Jumper cables and a self-contained battery—the safest choice!
- Flashlight with new batteries
- Tire-inflation product
- First-aid kit
- LED light source and safety triangle
- Protein bars—in case you are stuck and waiting for help
- Bottled water
- Snow brush with ice scraper – get the best one you can fine
- Blanket for every passenger
- Cell phone charging cable
- Paper towels
- Glass cleaner
- Extra washer fluid
- Work gloves
- Basic tools (screw drivers, wrenches etc.)