Family Protection Coverage Insurance
Motor vehicle liability insurance is mandatory in Ontario and there are certain types of coverage which also are mandatory. All policies must have a minimum of $200,000 in third-party liability coverage, known as limits. Third-party liability limits protect your assets from claims by anyone who may sue you after a motor vehicle accident. You can […]
Unidentified Motorist Accidents
What happens if you are involved in a motor vehicle accident and the at-fault driver fails to remain at the scene and cannot be identified and located? Fortunately, there is insurance coverage in Ontario for individuals involved in a motor vehicle accident with an unidentified motorist and vehicle. You can make an insurance claim even […]
The Most Common Causes of Car Accidents in Canada
Recent studies on car accidents in Ontario confirm that many drivers are not leaving enough space between themselves and other vehicles — more than 25% of collisions involve a car being rear-ended, according to 2016 statistics. Crashes occurring while going through intersections or turning are almost as frequent. The number of collisions is on the rise […]
Ontario Automobile Insurance Reform
On January 9, 2019 the Ontario Government announced that it is seeking ideas on how to make auto insurance more affordable. The Government is inviting drivers and consumers to share their opinions on how to lower auto insurance rates. The Minister of Finance said that “auto insurance is clearly broken. Auto insurance rates in Ontario […]
Ontario’s New Distracted Driving Laws are Now in Effect
As of January 1, 2019 distracted driving is no longer just limited to the use of electronics while driving. According to the current law, anything that causes a driver to be less focused on the road constitutes distracted driving. You will be guilty of distracted driving if you do the following behind the wheel: Simply […]
Black Ice and Collisions
We all know that when we are driving in the winter, it is particularly important to be alert for dangerous road conditions caused by snow, slush or ice. One of the more dangerous winter road hazards is black ice because it is almost invisible. Black ice gets its name from the colour of the pavement […]
The Motor Vehicle Accident Claims Fund (MVACF) in Ontario
What is the Motor Vehicle Accident Claims Fund? The Motor Vehicle Accident Claims Fund (MVACF) is the payer of last resort in Ontario and is only available when no claim can be brought against another automobile insurance provider. It was established by the Ontario government and is managed by the Financial Services Commission of Ontario […]
How to Minimize Motorcycle Safety Risks
Any enthusiastic motorcyclist will tell you that riding a motorcycle gives them a feeling of freedom. Unfortunately riding a motorcycle comes with its own specific risks. According to the OPP, as of August 2017, there had been 30 motorcycle fatalities in Ontario, a number that was approaching the 36 fatalities in all of 2016, which was the […]
When Cars and Cyclists Collide
With the arrival of spring weather, Ottawa’s cyclists are out in force.  Ottawa is a great city for cycling.  We have over 600 km of bike paths in the Capital Region.  However, not everyone can get to where they want to go without resorting to cycling on city streets.  Cyclists, just like drivers, must obey […]
