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Frequently Asked Questions
WHERE CAN I FIND MY CUSTOMER CODE FOR ONLINE BANKING?
Important concepts to understand about
auto insurance in Ontario:
YOUR RIGHT TO SUE
Under Bill 59, your right to sue an at-fault motorist has been
broadened. This means you can now sue an at-fault driver for economic
losses, such as lost income that is not recoverable under your policy.
In addition, your right to sue for pain and suffering is reserved
provided that the injuries suffered meet a certain definition, known as
threshold.
Neither the owner of an automobile, the occupants, nor any persons
present at the accident are liable in an action for bodily injury unless
as a result of such use or operation:
- the injured person has died; or
- sustained permanent serious disfigurement; or
- sustained permanent serious impairment of an important physical,
mental or psychological function.
NO FAULT INSURANCE
When an insured person is involved in an automobile accident, regardless
of fault, they will only deal with their own insurer.
I have heard that Ontario has a "No Fault Automatic Insurance
System". Does this mean that accidents don't affect automobile insurance
rates?
No. The term no fault refers to a system under which each insurer pays for the
damages to their own client's vehicles and it also means that there is limited
recourse to compensation for damages through litigation in our court system.
However in every accident, "fault" or negligence is assessed and the
party that is deemed to be responsible will have the accident shown against
their policy. This may or may not result in an increase in premium dependant
upon the rate structure and discounts that were applicable before the accident.
Is my snowmobile or car covered on my property policy when stored in the
garage on my property?
No. The property policies contain an exclusion that states that there is no
coverage for motorized vehicles other than snowblowers and lawn tractors. Any
other vehicle must be insured on an Ontario Automobile policy.
Does the fire and theft coverage on my car also cover the contents of the
car such as my suit case, golf clubs, camera etc?
No. The automobile policy provides coverage for the car and its equipment only.
Contents in the car must be provided for on a property policy. Personal contents
are usually provided for as contents removed temporarily from ones residence.
Does my car insurance policy covers me anywhere in the world?
No. Your car policy covers you for incidents occurring in Canada, the US and on a
vessel traveling between ports of those countries.
If I lend my car to a friend and they get in an accident, do my rates go
up?
If you've given another person permission to use your vehicle, and they get into
an accident that deems it necessary to make a claim, it will be your insurance
rates that are affected.
Am I covered for "acts of God" on my
homeowner's package?
"Acts of God" can include many if not all possible losses. However the
normal items referred to as "Acts of God" such as wind, lightning,
hurricane and tornado are covered on home packages. Specific exclusions are
included however for flood and earthquake.
If I start to run a business from my home am I
covered?
No. The standard personal home policy doesn't cover operating a business from
your home. However we may have a home run business packages to meet your needs. We can
provide you with the necessary details to purchase proper coverage.
If I install a woodstove should I inform you?
Yes. Our packages include provisions that the only heat is electric or a central
heating system. Therefore it is required that your policy acknowledge that there
is supplementary heat.
Is my antique furniture covered on my policy?
Yes. The basic property policy provides coverage for your property even if it is
antique. However it is difficult to evaluate property after many different types
of losses. Therefore it is recommended that you discuss your situation with us
to ensure that you are fully covered.
Does the fire and theft coverage on my car also
cover the contents of the car such as my suitcase, etc?
No. The automobile policy provides coverage for the car and its equipment only.
Contents in the car must be provided for on a property policy. Personal contents
are usually provided for as contents removed temporarily from ones residence.
Does my automobile policy provide coverage for a rental car if my
car is damaged in an accident or if it is stolen?
Maybe. The basic automobile policy in
Ontario
provides some coverage for loss of use by theft if the policy includes theft
coverage either under the "comprehensive" coverage or under
"specified perils" coverage. In the event of an accident the basic
automobile doesn't provide any coverage for loss of use. An endorsement is
available named "Loss of Use" that provides some coverage for the
rental of a substitute vehicle if the insured vehicle cannot be used due to its
damage in an automobile accident. Also under the terms of "no fault
automobile insurance" if your vehicle is damaged through the fault of
another party insured under the
Ontario
automobile insurance policy, coverage may be provided under your "direct
compensation" coverage.
If I start to use my vehicle for any business pursuits should I
inform my Broker?
Yes. The rating on an automobile policy is based upon the usage. If a vehicle is
being used for commercial purposes your Broker must ensure that the coverage
provided and the rate structure being used is proper considering your new usage.
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Stan
Darling Insurance Inc.