Ontario Personal Injury Lawyers
Call 1-888-404-5167
Preszler Injury Lawyers

3 Tips to Help You Choose the Right Type of Car Insurance in Ontario


Ontario law requires all drivers to carry automotive insurance. Failure to do so can mean hefty fines or the loss of a driver’s license and vehicle in the event of a traffic stop or collision. Further, an uninsured driver may be held financially liable in the event of a car accident.

Purchasing car insurance entitles you to statutory Accident Benefits in case of an accident and injury. Benefits include medical and rehabilitation benefits, income replacement benefits, attendant care benefits and even a non-earner benefit for those who were not employed at the time of the accident. Car insurance also covers you for liability coverage in the event that you are at fault for the accident. The type of insurance you purchase can impact the compensation available to you to address accident injuries and other losses. Below are three tips to help you choose the right car insurance for you and your family.

Tip 1: Start By Covering the Basics

Ontario car insurance laws require you carry an established minimum of financial protections.

The standard car insurance policy must include:

  • $200,000 in third-party liability coverage (provides you with protection in case someone is injured or killed in a crash or there is property damage);
  • statutory accident benefits coverage (no-fault benefits provided to help you address your own losses);
  • direct compensation – property damage/DC-PD coverage (financial protection for property damage to your own vehicle); and
  • uninsured automobile coverage (offers protection in the event of a hit-and-run accident or a crash involving an uninsured driver).

Talk With Our Legal Team



If you have any questions and would like to schedule a call with our legal team for a FREE no-obligation consultation, contact us now. During this call you can ask any questions as it relates to your accident and/or claim and we'll discuss your options and possible outcomes.

Regardless of where you're located in Ontario – we may be able to help you. Don't delay - call us. Our lines are open 24/7.

Comply with provincial law by ensuring your policy includes these four components.

Tip 2: Increase Your Policy Limits as Your Budget Allows

Increase your financial protection by purchasing additional car insurance coverage or increasing your policy limits. Many car insurance carriers will allow you to customize your policy to better suit your budget and needs.

Voluntary additional protections include:

  • increased third-party liability coverage (you may bump up your policy limits to $1 million or $2 million or more);
  • additional statutory Accident Benefits (increase your available coverage on standard benefits such as Income Replacement, Medical and Rehabilitation, Attendant Care and Death and Funeral, or purchase optional benefits to cover expenses relating to a Caregiver, Housekeeping and Home Maintenance Expense, Dependent Care);
  • indexation (this automatically adjusts your statutory benefits to correspond to the rate of inflation as determined by the Consumer Price Index of Canada);
  • additional coverage for loss of or damage to your vehicle (additional options include Specified Perils Coverage, Comprehensive Coverage, Collision Coverage or All Perils Coverage); and
  • special enhancements to coverage (additional policy endorsements include those that cover leased vehicles, car rental, offset of tort deductibles, family protection, and more).

Adding or increasing coverage will impact your monthly or annual premiums. A general rule of thumb is to purchase as much coverage as your budget will allow.

Tip 3: Understand Your Own Financial Responsibilities

Clarify what your deductibles will be in the event you must file a claim. This is the agreed-upon sum you first must pay before receiving compensation relating to property damage, such as $1,000 or $2,500. Ensure you can afford to pay this amount. If not, make necessary adjustments to your policy.

Visit our personal injury blog to learn more about car insurance and Accident Benefits. For help after an accident, call 1-800-JUSTICE® or fill out our online contact form to schedule a free initial consultation..

related videos


 

Car Accident Lawyers
 

Hit and Run Injury Claims
 

Statutory Accident Benefits & Car Accident Claims
 

Types of Damages in Car Accident Cases
 

What Are Statutory Accident Benefits?
 

What Insurance Cuts Mean For Drivers in Ontario
 

Who to Contact Following a Car Accident
 
Call us now at
1-800-JUSTICE
®

151 Eglinton Ave W,
Toronto, ON
M4R 1A6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
4145 N Service Rd
Burlington, ON
L7L 4X6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
2 County Ct Blvd #400,
Brampton, ON
L6W 3W8
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
105 Consumers Drive
Whitby, ON
L1N 1C4
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
92 Caplan Ave #121,
Barrie, ON
L4N 0Z7
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
380 Wellington St Tower B, 6th Floor,
London, ON
N6A 5B5
Toll Free: 1-888-608-2111
2233 Argentia Rd Suite 302,
East Tower Mississauga, ON
L5N 6A6
Toll Free: 1-888-608-2111
1 Hunter St E,
Hamilton, ON
L8N 3W1
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
459 George St N,
Peterborough, ON
K9H 3R9
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
352 Elgin Street,
Ottawa ON
K2P 1M8
Toll Free: 1-888-608-2111
10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
Toll Free: 1-888-608-2111
*consultation offices

DISCLAIMER: Please be advised that the header image and other images throughout this website may include both lawyer and non-lawyer/paralegal employees of Preszler Injury Lawyers and DPJP Professional Corporation and unrelated third parties. Our spokesperson John Fraser, or any other non-lawyer/paralegals in our marketing is not to be construed in any way as misleading to the public. Our marketing efforts are not intended to suggest qualitative superiority to other lawyers, paralegals or law firms in any way. Any questions regarding the usage of non-lawyers in our legal marketing or otherwise can be directed to our management team. Please also note that past results are not indicative of future results and that each case is unique. Please be advised that some of the content on this website may be out of date. None of the content is intended to act as legal advice as each situation is independent and unique and requires individual legal advice from a licensed lawyer or paralegal. For legal advice on your individual situation – we can provide legal guidance after you have contacted our firm and we have established a lawyer-client relationship contractually. Maximum contingency fee charged is 33%. Finally, our usage of awards and logos for awards does not suggest qualitative superiority to other lawyers, paralegals or law firms. All awards received from third party organizations have been done so through their own reasonable evaluative process and do not include any payment for these awards except for the use of the award logos for our marketing assets.