What's covered under my car insurance in Ontario?
A standard auto insurance policy in Ontario covers you for Third-Party Liability to protect you if you cause damage to someone else’s property, or if someone is killed or injured in a car accident. It also covers you for Statutory Accident Benefits to provide you with benefits if you’re injured in an accident, regardless of who caused the accident. Direct Compensation-Property Damage (DCPD) and Uninsured Automobile Coverage are also included for damage to your vehicle if it’s the other person’s fault or if the other driver is uninsured. Coverage for physical damage can also be purchased as well.
How long do tickets and accidents affect my insurance?
Typically, tickets remain on your record for 3 years so they will no longer be rated for on the following renewal policy. For accidents, it can vary between insurance companies. Depending on the insurance company, accidents can stay on your record anywhere from 6 to 10 years.
What happens if I'm in a car accident?
If you’re in a car accident, stop your vehicle immediately & check to see if anyone is injured. If necessary, call the police if there are injuries or if the total damage to all vehicles involved appears to be more than $2,000. Call your insurance broker when it’s safe to do so to discuss the next steps.
