Car Insurance Pickering

Accident benefits coverage can cover the cost of medical expenses, rehabilitation, lost wages and caregiver expenses if you, your passengers or pedestrians are injured in a collision, 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.

If you are involved in a car accident with an underinsured or uninsured driver, an uninsured motorist insurance policy will cover your repair or replacement costs. Uninsured driver insurance also protects you if you are hit by an unidentified driver who flees the accident scene without leaving their contact information.

Collision car coverage will pay for repairs or replacement if you get into an at-fault accident that damages your vehicle, whether it be from hitting another vehicle or a stationary object like a guardrail. For example, if you’re travelling along Pickering Parkway and lose control of your vehicle, causing you to hit a power line pole outside of the Staples, collision car insurance will cover your damages, excluding your deductible.

Comprehensive coverage comes in handy when your car is damaged in a non-collision event such as theft, vandalism, fire, falling or flying objects, severe weather conditions and wildlife encounters. For example, if you park your vehicle at Grand Valley Park for the day while you’re hiking along the river and you come back to see your windshield has been smashed, comprehensive coverage will cover your replacement windshield, minus your deductible. It also covers damage caused by natural disasters, such as hail or flooding, that can affect drivers across Durham Region.

Direct Compensation – Property Damage (DCPD) is a policy that functions within Ontario’s no-fault insurance system. If your vehicle is damaged by an at-fault driver, DCPD allows you to process your claim for compensation with your own insurance company, rather than the other drivers involved, ensuring you’re fairly and quickly reimbursed for the damages.

All-perils insurance combines comprehensive coverage and collision coverage, offering broader insurance protection to drivers than a standard plan. With all-perils insurance, you’ll receive coverage for all types of perils, excluding the ones outlined in your policy documents. While these policies often cost more, it does offer more extensive protection in the long run.

Specified perils offer protection from perils specifically mentioned in your auto insurance policy. These policies often cost less, but don’t offer as much protection as an all-perils plan would.

Loss of use coverage is one last type of optional coverage that may be worth considering if you spend lots of time behind the wheel and commute daily for work. Loss of use coverage will pay for you to take other modes of transportation if you are temporarily unable to drive your car due to damage that results from a covered event. For example, if it is damaged in an accident and needs to go into the repair shop for a week, you can be reimbursed for the cost of renting a vehicle or taking taxis or ride shares during this time, under the loss of use coverage portion of your policy.

Waiver of depreciation ensures policyholders are reimbursed for the total value of their vehicle following a total loss, without considering depreciation, which comes in handy if you own a new or luxury car. For example, if you purchased a new vehicle a couple of months ago for $76,000 and it’s later involved in a serious collision that renders it a total loss, this policy would compensate you for the entire $76,000 value of your car, rather than its depreciated value, which may be closer to $59,000 now that you’ve driven it.

Roadside assistance can come in handy for those who drive into downtown Toronto via the ON 401 Express for work or to more rural areas of the Greater Toronto Area (GTA). Should your vehicle unexpectedly break down while driving, roadside assistance will cover the cost of towing, fuel top-ups, battery recharges, tire replacements and lockouts, ensuring you get the help you need in an emergency.

One more type of optional car insurance coverage that Ontario drivers, including those in Pickering, may consider 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 and eligibility vary by province.