Car insurance Manotick

Accident benefits coverage will pay for the cost of medical or rehabilitative care, ranging from physical therapy to prescription medications, lost income, funeral benefits and caregiver costs, if you, your passengers or pedestrians are injured in a car accident, regardless of fault. As of July 1, 2026, only the medical, rehabilitation and attendant care portions of accident benefits remain mandatory; other accident benefits are optional.

Uninsured automobile coverage can cover the cost of a collision if you are involved in an accident with an at-fault driver who is unidentified, uninsured or underinsured.

Collision coverage will cover the cost of repairs and vehicle replacements if you damage your vehicle in an at-fault accident, whether it involves hitting another vehicle, a stationary object like a telephone pole or flipping your vehicle.

Comprehensive coverage compensates you for vehicle damages and replacements that result from non-collision events, such as theft, vandalism, fire, falling or flying objects, severe weather damage and wildlife encounters. Again, all you’ll need to pay is your deductible before your insurance company covers any of the remaining costs.

Direct Compensation - Property Damage (DCPD) is an optional coverage in Ontario that may allow you to claim vehicle damage repairs through your own insurer after certain collisions where you are not at fault. Availability and details may vary by insurer and policy.

Loss of use coverage comes in handy if you rely on your vehicle daily, whether it is to commute to work, pick up the kids from school or run errands. With this policy, you will be reimbursed for any transportation expenses incurred while your vehicle is in a repair shop following a covered event. These may include the cost of renting a car, taking public transit, calling a taxi or using ride share, ensuring you aren’t left stranded.

All perils is a type of insurance policy that protects you against a wide variety of hazards, excluding those explicitly listed in your policy documents. When thinking of all perils, you’re essentially paying for more comprehensive protection compared to specified perils, which only offers protection against hazards specifically mentioned in your plan.

Waiver of depreciation ensures that policyholders are compensated for the true value of their vehicle following a total loss, regardless of depreciation, which is especially useful if you own a recently purchased or luxury car. For example, if you bought a new car for $37,000 a few months ago and it was later involved in an accident that caused it to be a complete loss, this policy would reimburse you for the entire $37,000, instead of its depreciated value, which may only be $22,000.

Roadside assistance ensures drivers won’t be left stranded should their vehicle experience a sudden breakdown, covering costs associated with towing, fuel top-ups, tire changes, battery charges and key lockouts.

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 and eligibility vary by insurer and policy.