Whether you live in Hamilton, St. Catharines, or anywhere in between, Duliban Insurance Brokers is here to help you find the best car insurance at the best price. By shopping your coverage to the best car insurance companies in Ontario, you will receive the most competitive car insurance quotes available in the market today.Obtaining your car insurance quotes is free and easy for Ontario residents. Simply enter a few pieces of information into our online car insurance quote form, and you will have quote options within a little as 15 minutes. If you have any questions along the way, visit our frequently asked questions page or contact one of our professionally licensed insurance agents.
A contract between you and an insurance company
A car insurance policy is a contract between you and an insurance company. In exchange for your premium payment, insurance companies make a promise to cover certain injuries and damages. Your premium goes towards pre-selected coverages that are situations or events your insurance company will pay for. Essentially, you are paying a little now to protect you from potentially paying very large amounts later.
When applying for car insurance, we will ask you basic questions about you and your car. Factors such as your age, where you live, and the type of car you drive will determine your basic premium. The final premium will be determined by the limits, deductibles, and options you choose that best meet your insurance needs.
Once you have selected a car insurance estimate and begun making payments, coverage will become available on a specified effective date. If you are involved in an accident or other covered event, you may file a claim. A claim is your request for the insurance company to fulfill their promise to pay covered damages or injuries. If it is covered, the insurance company will pay up to the specified limits after you have met any applicable deductibles.
A car insurance policy is a legal contract and specifically details what is and is not covered. Overall, most car insurance coverages are standard among insurance companies, but coverage can vary. Reading your policy is the best way to understand what to expect should you need to file a claim.
In most circumstances, you most likely will be required to pay a deductible. Car insurance policies can have deductibles ranging between $250 to more than $1,000. This means the amount of your claim will be reduced by the amount of your deductible.
Your insurance policy will also only cover you for the coverages you choose. As a reminder, normal maintenance or wear is not covered under a car insurance policy. In general, you can obtain car insurance quotes that include the following coverages:
This is commonly the only coverage required by law. If you are the cause of an accident (at-fault), your car insurance policy will pay for:
- Other driver’s injuries
- Other driver passengers’ injuries
- Lawsuits that are filed against you
- Damage to someone else’s vehicle
- Damage to someone else’s property (mailbox, fence, etc.)
Also known as acts of nature coverage, this coverage pays for claims resulting from events outside of your control including:
- Theft of your car
- Collisions with animals
- Windshield and glass damage
- Falling trees and other objects
- Storms including wind, hail, and lightning
The term ‘collision’ is often misleading. This coverage only pays if another person causes an accident with you and your vehicle. It does not cover acts of nature. However, collision coverage will pay for your injuries and damages regardless of who is at fault.
Uninsured / Underinsured Motorist Coverage
Unfortunately, not every driver on the road has insurance. If an uncovered motorist causes an accident and you sustain injuries or damage, this coverage can pay you. If the driver has no coverage, the uninsured motorist coverage will pay. Should the driver not have enough coverage, the underinsured motorist coverage will pay. This coverage also pays if you are involved in a hit-and-run accident in your vehicle, as a pedestrian, or while riding your bicycle.
Each insurance company offers a number of extra coverage options. Common additional coverage options include rental reimbursement, loan gap coverage, and roadside assistance. Review your needs with one of our professional insurance agents and obtain car insurance rates for the extra coverages you may need.