Car Insurance in Markham

Uninsured motorist coverage is designed to protect you and any passengers in your vehicle if you get into an accident with an at-fault driver who is uninsured or underinsured. This type of coverage can also protect the driver if they are the victim of a hit-and-run.

Accident benefits coverage comes into play if you, a passenger, or a pedestrian requires medical attention following a collision. This type of coverage can be claimed regardless of who was at fault for the accident. It can help cover medical expenses, such as prescription medications, physical therapy, rehabilitation, loss of income, and other associated costs.

DCPD coverage protects an insured vehicle and all the items inside it from the costs of property damage. If you make a claim under this type of coverage, you submit to your own insurance company instead of the at-fault driver's insurance. This makes for an easier and faster claims process.

Collision coverage is an optional add-on that helps cover the cost of repairing or replacing your vehicle if it’s damaged in a crash, whether you hit another car, a pole, or any other object, regardless of who’s at fault. With Markham’s busy intersections and frequent stop-and-go traffic, this coverage is a smart way to protect both your car and your budget.

Comprehensive coverage protects your vehicle from non-collision risks like theft, vandalism, fire, hail, flooding, or even damage from falling objects. In a city like Markham, where both urban and suburban risks exist, this coverage can add valuable peace of mind.

One more type of optional car insurance coverage popular among Markham drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your auto 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.

If you’ve just bought a brand-new vehicle in Markham, a waiver of depreciation ensures you’re reimbursed for the full value of your car if it’s written off or stolen. Instead of a reduced payout based on depreciation, you’ll receive enough to replace it with a new model.

If your car’s in the shop after a collision, loss of use coverage helps pay for temporary transportation. Whether you’re using a rental, public transit, or ride-sharing around Markham and the GTA, this coverage keeps you mobile while your vehicle is being repaired.