Insurance covers hail damage only if you’ve purchased All Perils, Specified Perils or Comprehensive coverage. Without any one of those coverages, hail damage to your car won’t be covered. For example, if you only have liability coverage, hail damage is not covered. Hail is a specified peril that occurs when rain droplets are carried upward…
If you’ve ever had an auto insurance claim in Ontario, you may have received a proof of loss form to complete. This article will explain what a Proof of Loss form is and its purpose in the auto claims process. What is a proof of loss form? Insurance companies use a Proof of Loss form…
Insurance will cover a cracked windshield if you carry comprehensive or all perils coverage on your auto policy in Ontario, Canada. When is a cracked windshield not covered? A cracked windshield is not covered when you do not carry comprehensive, specified perils or all perils coverage. Also, windshield repair or replacement may not be covered…
What does collision insurance cover in Ontario? Collision insurance in Ontario, Canada, is optional auto insurance protection that covers damages or loss to your vehicle. The insurance company will pay when your vehicle collides with another object or tips over. Object includes: No collision coverage in Ontario and not at fault for the accident Suppose…
What is Direct Compensation Property Damage in Ontario? Direct Compensation Property Damage is mandatory auto insurance coverage in Ontario, Canada. Often referred to as DCPD, the auto insurance coverage is part of your overall auto policy, called the OAP 1, or the Ontario Automobile Policy. Is DCPD auto insurance mandatory in Ontario? Yes, DCPD auto…
In Ontario, Canada, anyone who has a valid driver’s license can drive your car, as long as they have permission from you. Can I drive someone else’s car in Ontario? You can drive someone else’s vehicle in Ontario as long as you have the owner’s consent and are authorized by law to operate a motor…
