AUTOMOBILE INSURANCE

Deciding coverage can be tricky. At Trigon Insurance, we recognize different people require different policy solutions. Our mandate ensures you receive superior customer service from highly trained professional brokers. You are simply not just "another call". No matter what type of vehicle you drive, we offer affordable, understandable coverage, along with a personal level of service that will exceed your expectations. Our longstanding relationships with the top insurance carriers allow us to save you money while providing the peace of mind you deserve.

We offer many discounts to our clients. Some of the available discounts Trigon Insurance offers are:
• Multi Vehicle- more than 1 vehicle on the same policy
• Mature Driver- starting at age 40
• Multi Line- more than one policy with the same company e.g. car and home
• Retiree
• Occasional Drivers at University
• Conviction-Free
• Short Commute



In Ontario, you are required to purchase the following minimum automobile insurance coverage

Liability:
Provides coverage for you if someone else is killed or injured or their property is damaged in an automobile accident. It will pay for legitimate claims against you up to the limit of your coverage.

Accident Benefits:
Provides benefits that you are entitled to receive if injured or killed in an automobile accident. Some of the benefits include income replacement, payment of medical, rehabilitation/attendant care, funeral expenses and payments to survivors of a person who is killed.

Uninsured Automobile:
Provides coverage if you are injured or killed by an uninsured motorist or by a hit and run driver. It also covers damage to your automobile and its contents caused by an identified uninsured motorist, subject to a deductible.

Direct Compensation:
Provides coverage under certain conditions, for damage to your automobile where another Ontario motorist is responsible. It is called direct compensation because your insurer will pay for the damages even though you are not at fault for the accident.

Looking for added protection?
Driving Record Protector
Even a responsible driver can have a bad day. With this coverage, your premium will not increase as a direct result of your first at-fault accident

Loss of Use
We will pay for a rental vehicle if your car is out of use due to covered physical damage

Damage to non-owned
vehicle Extends coverage for loss or damage to any vehicle in your care

Waiver of Depreciation
As the owner of a new vehicle, any insured repair or replacement within the first 24 months will not be subject to depreciation – we will treat your vehicle as if it's brand new!

Specified Perils:
Covers your vehicle against loss or damage caused by certain specified perils such as fire, theft, lightning, hail and falling objects (to name a few).

Comprehensive:
Covers your vehicle against loss or damage other than those covered by Collision including perils listed under Specified Perils.

Collision or Upset:
Covers damage when your vehicle is involved in an at fault collision with another object or vehicle.

All Perils:
Combines Collision and Comprehensive coverage.

Accident Benefits Reform:
On September 1, 2010 your Ontario government mandated several important changes to the Accident Benefit coverages provided to Ontario Motorists. These changes are intended to make car insurance fairer, to reduce the cost of car insurance by eliminating fraud, and to provide Ontario drivers the opportunity to choose the individual benefits that they require. Please visit the following Insurance Bureau of Canada website for complete detail:
http://www.ibc.ca/en/Car_Insurance/ON/Auto_reform.asp