{"id":195,"date":"2025-11-12T14:25:15","date_gmt":"2025-11-12T14:25:15","guid":{"rendered":"https:\/\/ontariowest.ca\/london\/london\/?page_id=90"},"modified":"2026-01-16T20:10:21","modified_gmt":"2026-01-16T20:10:21","slug":"auto-vehicle-insurance-london","status":"publish","type":"page","link":"https:\/\/ontariowest.ca\/london\/auto-vehicle-insurance-london\/","title":{"rendered":"Auto & Vehicle Insurance"},"content":{"rendered":"
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\nThird Party Liability\n<\/h2>

\nThis type of coverage protects you as a driver, should an accident cause property damage, injury, or death to another person. If you are 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 options are available for you to choose. We recommend that you increase your minimum liability coverage to $2,000,000 to ensure that you are fully covered. You can increase your coverage from $1,000,000 to $2,000,000, or you can add a personal umbrella for higher limits.\n<\/p>\n<\/div><\/div><\/div>\n<\/section>

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\nAccident Benefits\n<\/h2>

\nStatutory 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. This type of coverage can also cover the costs of being unable to provide for someone if you are their caregiver and non-earner benefits. You can increase your Accident Benefit Coverage for expenses, such as medical and rehabilitation, attendant care, income replacement, death and funeral, and more by speaking to one of our advisors to explore the coverage that makes you feel comfortable.\n<\/p>\n<\/div><\/div><\/div>\n<\/section>

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\nDirect Compensation Property Damage\n<\/h2>

\nDCPD Coverage insures your vehicle against damages in the case of an accident for which you are not responsible. This type of coverage also protects the contents of your vehicle if they are damaged or destroyed, and covers you from the costs associated with losing use of your vehicle.\n<\/p>\n<\/div><\/div><\/div>\n<\/section>

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\nUninsured Vehicle Coverage\n<\/h2>

\nInsures 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.\n<\/p>\n<\/div><\/div><\/div>\n<\/section>

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\nEmergency Car Kit\n<\/h2>

\nTo keep you safe in the event of an emergency, we recommend keeping a kit with the following items in your motorized vehicle(s) at all times:\n<\/p>\n<\/div>

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