Do speeding tickets affect insurance in Ontario

Do speeding tickets affect insurance in Ontario

Yes, speeding tickets affect auto insurance rates in Ontario.  The degree to which a speeding ticket would affect your insurance depends on a few things: 1- the type of speeding ticket.  Is it a minor, major or even criminal speeding ticket?  2- if you have more than one speeding ticket within a three-year time period. …

Comprehensive Insurance Ontario

Comprehensive Insurance Ontario

What does comprehensive insurance mean? Comprehensive auto insurance coverage refers to optional loss coverage which can be purchased or declined.  It is not mandatory and offers coverage from a wide array of perils that other coverages do not.  Typically, most drivers add comprehensive insurance combined with collision coverage for complete vehicle protection.  When your vehicle…

Rental Car Insurance Ontario

Rental Car Insurance Ontario

When renting a car in Ontario, the vehicle must be legally insured. The owner of the rental vehicle (the company i.e Enterprise) must have legal liability insurance, just like any other driver in Ontario, Canada.  However, rental car companies typically do not carry collision, all-perils, or comprehensive coverage on their rental vehicles.  Rental car insurance…

Ontario Policy Change Form Auto Insurance Endorsements

Ontario Policy Change Form Auto Insurance Endorsements

OPCF List, Codes, Meaning, and Explanation If you’ve ever wondered how to decode or understand the meaning of insurance endorsements on your Ontario automobile policy, you’ve come to the right place! This article will outline the popular, Ontario Policy Claims Form (OPCF) endorsements, as administered by the Financial Service Regulatory Authority.  This means that any…

Who’s At-Fault in a Parking Lot Accident in Ontario?

Who’s At-Fault in a Parking Lot Accident in Ontario?

Have you ever been involved in a parking lot car accident and wondered who the responsible driver was? This article is intended to address popular myths regarding parking lot accidents, as it relates to the designation of fault, and also to provide a guideline for some of the rules and laws that surround car accidents…

What is No-Fault Insurance in Ontario?

What is No-Fault Insurance in Ontario?

In June 1990 the Ontario government under the NDP regime legislated a partial no-fault insurance system designed to replace the tort system that was in place at the time. It was thought that no-fault insurance would speed up the processing of claims, minimize the number of people proceeding with personal injury lawsuits against those who caused…