AUTO INSURANCE COVERAGE IN ONTARIO

The issues about automobile insurance coverage are directly connected with the motor vehicle accidents and traffic tickets. That is why we decided to give you some useful and extended information about auto insurance: types of auto insurance, what insurance policy is, what is your liability, how your auto insurance rates are set, accident benefits coverage and more. We hope that this information will help you to better understand automobile insurance.

Auto Insurance – It’s the Law!
Ontario law requires that all motorists have auto insurance. Fines for vehicle owners, lessees and drivers who do not carry valid auto insurance can range from $5,000 to $50,000.

If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded.
If you are convicted of driving without valid auto insurance, your insurance company may consider you a “high-risk” driver and charge you higher premiums or refuse to sell you insurance altogether.

If you are injured in an accident while driving or occupying an uninsured vehicle:

  • you may not be entitled to receive income replacement and/or non-earner benefits; and
  • you may not be allowed to sue the at-fault driver for compensation as a result of injuries received in the accident.

More importantly, if you are found to be at fault for an accident causing injury or death to another person, you may be held personally responsible for his/her medical costs and other losses.

Auto Insurance Policy
Your insurance company is responsible for providing you with the insurance coverage summarized on your Certificate of Automobile Insurance, and for which you pay a premium.

Certificate of Automobile Insurance:

  • lists the vehicles that are insured and the coverage purchased,
  • provides a description of how you were rated for the premiums charged, and
  • indicates the period during which you are covered by insurance

It is important that you read this certificate. You only have insurance coverage for a vehicle if your Certificate of Automobile Insurance shows a premium for that vehicle or shows that the coverage is provided at no cost.

What’s in a Standard Auto Insurance Policy?

Extra Coverage for Loss or Damage to Your Vehicle

If you got a traffic ticket you might seek assistance from a paralegal that specialize in defending traffic ticket cases. The paralegal has to be licensed by the Law Society of Upper Canada. It is always a good idea to hire CP Paralegal Solutions to fight your traffic ticket. For more information please visit www.paralegaltoronto.ca

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