Car Insurance in Aurora

Is Aurora auto insurance required?

Auto insurance is a legal requirement throughout Ontario, including Aurora. This type of insurance is provincially regulated, which means each Canadian province and territory determines its own rules and regulations on car insurance. In Ontario, car insurance is mandatory for all drivers - and not just any policy will do. Rather, your car insurance policy must include the following types of compulsory coverage: uninsured automobile coverage, accident benefits coverage, direct compensation coverage, and a minimum of $200,000 in third party liability coverage.

Aurora drivers will likely need to show proof of a valid driver’s license and possibly a driver’s abstract (otherwise known as a record of your driving history) in order to obtain car insurance. To learn more about mandatory Aurora car insurance, get in touch with BrokerLink.

Driving without Aurora car insurance

As car insurance is mandatory in Aurora, driving without insurance is illegal and may lead to serious consequences for drivers if caught. For example, uninsured motorists in Aurora can face fines of up to $25,000 for a first offense and up to $50,000 for a second offense.

Ultimately, you do not want to be caught driving without a valid car insurance policy in Aurora or elsewhere in Ontario. To avoid the risks that come with driving uninsured, do yourself a favour and purchase a quality auto insurance policy today. BrokerLink can help find a policy that suits your needs and budget.

Standard auto insurance coverage for Aurora drivers

Car insurance is mandatory in Aurora, however, not all coverage types are required. There are four types of compulsory coverage in Ontario which are: third party liability coverage, accident benefits coverage, direct compensation - property damage coverage, and uninsured automobile coverage. Keep reading to learn more about each coverage type and how it protects you.

Third party liability coverage

Third party liability coverage provides legal protection if a driver injures someone else or causes property damage to another person’s property, such as their vehicle. This type of coverage may help pay for medical expenses associated with bodily injuries or repairs of damaged cars, as well as any applicable legal fees and settlements up to the coverage limit. In Ontario, drivers are required to carry a minimum of $200,000 in third party liability coverage at all times.

Direct compensation - property damage coverage

Direct compensation - property damage coverage protects an insured vehicle and its contents against property damage, as long as the policyholder was not liable for the accident that caused said damage. Under this type of coverage, the insurance provider typically pays for the repair or replacement of your car directly. Please note that to be eligible for direct compensation coverage, the accident must meet the following circumstances: it occurred in Ontario, it involved more than one vehicle, and it involved at least one vehicle that participates in the province’s car insurance program.

Uninsured automobile coverage

Uninsured automobile coverage is the third type of mandatory coverage in Ontario. It is designed to protect you and any passengers in your vehicle if you get into a collision with an at-fault driver who is either uninsured or underinsured. This type of coverage can also protect the policyholder in the event of a hit-and-run. Under the uninsured automobile portion of your policy, you may be covered for the costs of injuries, vehicle damage, lost wages, and more.

Accident benefits coverage

If you, a passenger, or a pedestrian requires medical attention following a collision, accident benefits coverage can help. This type of coverage is provided no matter who was at fault for the accident and it can help cover a wide range of medical expenses like prescription medications, physical therapy, or rehabilitation, as well as loss of income and other associated costs.

Optional car insurance coverage for Aurora drivers

Beyond the four types of mandatory car insurance coverage listed above, Aurora drivers may choose to purchase additional coverage with their policies. Popular types of optional coverage include collision coverage, comprehensive coverage, and accident forgiveness coverage.

Collision coverage

Under the collision coverage section of your policy, the policyholder is protected against the cost of property damage that results from an accident, such as a damaged car.

Comprehensive coverage

Comprehensive coverage protects the policyholder and their vehicle from theft, vandalism, water damage, fire, and more.

Accident forgiveness coverage

Accident forgiveness coverage can be beneficial for new or high risk drivers. When you have accident forgiveness in your policy, your insurance rates won’t increase after your rate after your first at-fault accident.

Get in touch

Contact BrokerLink to learn more about Aurora car insurance and receive a free quote from one of our expert insurance advisors.

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