Claims Q & A
What do I do if I have extensive water damage?
Call us right away or contact your insurer if it’s outside business hours to reduce the risk of mould.
After an auto accident, how can you tell who is at-fault?
Fault for an accident is determined by the Ontario Insurance Act and the Fault Determination Rules made under the Ontario Insurance Act. These may find you or the other driver fully or partially at-fault.
Will my rates go up if I am not at-fault for the accident?
No. Your rates will not go up if you are 100% not at-fault for the accident. This is referred to as a non-chargeable accident. However, if you are partially at-fault, it will affect your rating.
What happens if I am in a single vehicle accident?
This loss would be covered under the collision section of your policy subject to a deductible and may affect your policy rating.