Why choose Mitchell & Whale as your auto insurance broker?
We will do the ‘shopping around’ for you to find you the best-priced policy, after understanding your particular needs. We also make sure you know exactly what’s covered and what’s not, so you feel completely comfortable with your auto insurance.
- Personal Service from your dedicated M&W Account Manager
- Lowest rates: Comparison shopping done for you
- VOTED #1 Brokerage in Ontario
- Choice: We represent close to 40 of the best insurance companies in Canada
- Claims: We advocate for you during the entire claims process.
- Automatic yearly policy rate review
Call us today to see how we can help you! 1.800.731.2228
Auto Insurance in Ontario: What’s Covered?
If you drive a vehicle in Ontario, you’re required to have at least the mandatory minimum required insurance coverage. Whether you want basic auto insurance or extended coverage for your car, truck, motorcycle, or other vehicle, our brokers will ensure that your coverage matches your budget and driving habits
Basic Required Coverage
Third-Party Liability Coverage
Protects you as a driver should an accident cause property damage, injury, or death to another person. If you’re found liable for damages, you will be insured up to the amount of your coverage, from claims resulting from the accident, as well as for the costs of settling those claims. The minimum coverage required by law for Third-Party Liability Coverage is $200,000; however, higher coverage options are available.
Accident Benefits Coverage
Statutory Accident Benefits Coverage provides you with benefits in case of an injury from an accident, regardless of who caused it. Benefits include any medical costs beyond what is covered by healthcare, rehabilitation and attendant care, as well as replacement of any lost income due to the accident. Accident Benefits Coverage can also cover the costs of being unable to provide for someone if you are their caregiver, and non-earner benefits.
Direct Compensation - Property Damage Coverage
DC – PC coverage insures your vehicle against damages in the case of an accident for which you are not responsible. It also protects the contents of your vehicle if they are damaged or destroyed, and covers you from the costs associated with losing use of your vehicle.
Uninsured Automobile Coverage
Coverage that insures you and your loved ones against injury or death by a hit-and-run or uninsured driver. It can also cover your vehicle damage in the event that the other driver, if they are identified, does not have insurance of their own.
Whether mandatory auto insurance coverage is enough for you is entirely up to your needs and budget; however, increasing coverage or extending your policy can be a wise decision and a relatively small investment for the level of added protection you get in return.
Optional Extended Coverage
There are several options to extend your auto insurance coverage in Ontario worth considering, such as:
Increased third party liability coverage
Increase your third party liability coverage to $5,000,000, $1 Million, or $2 Million.
Increased accident benefits
Increase your accident benefits for expenses such as medical and
rehabilitation, attendant care, income replacement, death and funeral, and more.
Increased coverage vehicle loss or damage
Increase your vehicle protection to include events and perils not covered in your basic Compensation – Property Damage Coverage.
Read more about the differences between basic and optional auto insurance coverage in Ontario, or speak directly with a broker for a quick quote on your auto insurance at 1-800-731-2228.