Car Insurance in Aurora

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.

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.

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.

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

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.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.