What happens if I hit a pedestrian or cyclist with my car?
This depends where the accident takes place.
In most provinces, the pedestrian or cyclist will make a claim under the Accidents Benefits section of your policy but in Ontario, if the pedestrian or cyclist has vehicle insurance, they would claim under that policy's Accident Benefits; if not, they would claim under yours.*
If your province allows, the pedestrian or cyclist may also sue you, subject to any capping or deductible for "minor" injuries.
*Not applicable in Quebec. Bodily injuries caused by an accident are covered by the Socitété d’Assurance Automobile du Quebec. Please contact us at 1.833.235.2136 if you have questions about coverage in Quebec.
What is a waiver of depreciation (depreciation waiver)?
When you buy a brand new car, your automobile may depreciate quickly. A waiver of depreciation (depreciation waiver) means you may be compensated up to what you paid for your automobile, as opposed to its depreciated value, when settling a claim for loss of damage caused by a peril you are insured against.
Please contact us to add this coverage to your policy.
What’s an underage occasional driver charge?
In insurance terminology, "underage occasional driver charge" usually applies to an underage driver (under the age of 25) or a driver with less than (9) years of driving experience. This will vary by province.
How do I get a rental car after an accident?
We can help with that. Just call 1.833.223.8743. Service Specialists are available 24/7 every day of the year and will help if they can.
What should I do if I wanted to take my car off the road but keep insurance on it?
Yes, this can be done. As situations can vary widely, please connect with us to discuss.
Need after hours emergency assistance?
No worries, our claims service is available 24/7, every day of the year. Just give us a call at 1.833.223.8743.
Need Roadside Assistance outside of business hours? Please call 1.855.572.6842
How long does an accident stay on my record?
Insurers usually consider accidents for the past six years when setting premiums.
Are the basic compulsory coverages enough?
Generally they aren't enough. Why? Here are some facts to consider:
In most provinces, the mandatory minimum Third Party Liability coverage is $200,000. You would be responsible for any damages above that amount. Many courts are awarding a million dollars or more in Canada
Most provinces don't require you to insure for damage to your vehicle. But can you afford to pay for significant damage if you're in an accident? If you've taken a loan or if you lease your car, you're still responsible for making the payments, even if your car is written off.
In Newfoundland and Labrador, you don't have to have Accident Benefits coverage. But the financial consequences of an injury can be much more than your provincial health care will cover and you won't have income loss protection either.
Auto Insurance