Car Insurance in Barrie

Accident benefits coverage provides financial assistance to pay for medical expenses if someone requires medical attention after a car accident. When you have accident benefits coverage, it doesn’t matter who caused the car accident. Whether the insurance policy holder, passengers, pedestrians or the other driver involved in the accident needs help, your Barrie auto insurance will cover it. It extends to medical costs not covered by health insurance, including rehabilitation or prescription medication. Again, policyholders must have a minimum of $200,000 in coverage.

This coverage is important because in 2022, Barrie reported 1,200 collision-related insurance claims, with winter months seeing a 20% spike.

Uninsured automobile coverage is also mandatory, and it is useful if you are involved in an accident with an underinsured or uninsured motorist. Beyond uninsured drivers, it will also come into play if you get into a hit-and-run accident and the driver is never identified, ensuring any damages or losses caused by the collision are compensated by your car insurance company. This insurance policy has coverage limits of $200,000 as well.

As of 2024, this car insurance policy is no longer mandatory for Barrie residents as it only covers drivers if they get into a collision with an at-fault driver that damages their car. Ultimately, DCPD ensures policyholders are swiftly compensated following an accident by enabling them to deal with their insurance company directly, rather than the other drivers.

If your vehicle is damaged in a collision with another car or object while driving, collision car insurance has you covered. It doesn’t matter if you caused the accident or not—you can still qualify for compensation with this optional type of coverage. Further, if your car is deemed a total loss, you'll be able to go through the write-off process, which will reimburse you for a vehicle replacement, up to your policy limits.

Remember, this type of auto insurance coverage might not be mandatory, but it may be required to lease or finance your car. Additionally, when filing an insurance claim under this insurance, you'll need to pay a deductible to your insurance company.

Comprehensive car coverage works similarly to collision insurance. However, this specific policy will cover the cost of vehicle repairs if your car is damaged as a result of a non-collision incident. While the perils included in your policy may vary slightly between providers, you can typically expect to have coverage for theft, vandalism, fire damage, severe weather, and falling objects. Again, you'll need to pay a deductible to your insurance company when filing a claim under this policy.

One final type of optional car insurance coverage popular among Barrie drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province.