Auto Insurance Claim Process

Auto Insurance Claim Process

The auto insurance, claim process occurs when you submit a claim for damages or injuries sustained while using or operating a vehicle under a valid car insurance policy.   The claim process is relatively the same throughout Canada, but there are slight differences from one Province to the other.  Since car insurance in Canada is…

What is an Insurance Deductible?

What is an Insurance Deductible?

Meaning and Explanation of an Insurance Deductible In general insurance, a deductible is a provision in the insurance contract whereby the policyholder agrees to pay a certain amount for each covered loss in return for a reduced premium.  An insurance deductible is an amount of a covered loss that a policyholder must pay before the…

Do Parking Tickets Affect Insurance?

Do Parking Tickets Affect Insurance?

Do Parking Tickets Affect Auto Insurance Rates or Your Driving Record in Ontario? Parking tickets do not affect your auto insurance rates in Ontario, directly, but not paying them, or paying them late, could invalidate your driver’s license. Many people drive with expired or suspended driver’s licenses without even knowing! Hmmm, makes me wonder if…

What is No-Fault Insurance?

What is No-Fault Insurance?

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…