Car insurance in Ontario is a mandatory legal requirement for all vehicles in Ontario. The minimum insurance coverage required in Ontario is "Third Party Liability" with at least $200,000 of coverage. Third Party Liability coverage only covers you if someone is injured or killed, and/or someone’s property is damaged. Third Party Liability doesn’t cover any damage to your own vehicle, or increased coverage for your own injuries.
In Ontario, it’s common for most car insurance policies to have “Direct Compensation Property Damage Coverage”, meaning that if you are involved in an accident your insurance provider will cover a minimum set of costs related to the damage and/or injuries you’ve sustained. The misconception in Ontario is that all car insurance policies are relatively the same and offer the same protection; however depending on selected options you may not be as protected as you think.
A vast majority of clients we’ve represented related to injuries sustained in car accidents, didn’t have optional accident benefits on their car insurance policies, simply because they thought their insurance policy was enough to cover them. Sadly, most car insurance policies cover only the minimum requirements of medical treatment, recovery costs, and long-term care expenses.
Pays for physiotherapy, rehabilitation, medication, household modifications, mobility & mobile equipment.
In most cases, optional accident benefits only cost between $200 and $300 per year! Many people buy extended warranties on electronics for the same price; protect your family and health the same way.
You may be asking, "why does this matter?" We know it’s boring and confusing and you don’t want to pay more than you have to for something you are forced to get. The reason is you can’t do without optional benefits. Seriously. We see people every day on the wrong end of an insurance claim that would gladly go back and get the coverage if they could, but it’s too late at that point. Protect your family now; call your insurance agent or broker and ask about optional coverage.
More specifically, ask your insurance broker about:
Ask yourself these questions:
Remember, liability and family protection coverage protects you in two ways:
At Findlay Personal Injury Lawyers, we are fierce advocates and defenders of our clients’ rights. We are respected because we are an incredibly organized, focused, and skilled team, and we get the best results in the industry. We promise our clients transparency, compassion, fairness, and integrity. Client recovery and return to independence – physical, mental, emotional and financial – is the gold standard for how we measure our results.
If you earn:
Important points to remember:
Disclaimer: The information throughout this website is not intended to be taken as legal advice. The information provided by Findlay Personal Injury Lawyers is intended to provide general information regarding personal injury law, catastrophic injury cases, wrongful death claims, medical malpractice lawsuits, car accidents, truck accidents, motorcycle accidents, and more for residents of Hamilton, Burlington, Stoney Creek, Brantford, Niagara Falls, and nearby areas in Ontario. This website is not intended for viewing or usage by European Union citizens. If you are interested in learning more about our law firm, please contact us for a personal consultation.