Look at this chart: Here's an example of 30 insurance companies' rates for a driver with a clean record. It also shows what happens if they get ticketed, possibly after having an accident. This also shows why you should always check what you are paying through <span...

Accidentally Speaking Accidents VS Insurance Claims The Law VS Insurance Companies: Insurance companies have their own rules for determining who is at fault after an accident. That fault may not be the same as the rules of law. You could be considered...

Lending Your Car If you lend your car, you lend your insurance. Another driver can seriously affect your insurance rates. Their tickets are their problem, but their accidents are your problem. Who can drive your car? You can lend your car to anyone who has a valid driver's...

Fear of Changing Insurance Companies What If I Have An Accident?: If you moved to another insurance company for a better rate and then have an accident, don't worry. Insurance companies have to file their conditions for non-renewal or cancellation with the government. For example, if their rule...

The "Benefits" to Whiplash If injured in an auto accident, you are entitled to these benefits: Income Replacement: If you are unable to work, your policy covers 80% of your income up to a maximum $400 per week, and you can purchase a higher limit if needed. If...

No-Fault Insurance No-fault insurance is an oxymoron. Fault is determined in every accident,using the Fault Determination Guide as set out in the Insurance Act. To view the Fault Determination Rules, click here. No-fault insurance actually means that if you get in to an accident, regardless whether or not it's...

OPP Ticket to the limit campaign results Tickets for the Province: 6,629 Seat Belts: 512 Speeding: 5,507 Failed to Yield: 63 Careless Driving: 42 Impaired Driving: 80 12 Hour Licence Suspensions: 125 Ticketing for Unsafe...

Ticket Talk 1) Pulled Over - Do you beg, cry or lie? Don't do any of these things and "especially" don't conduct a curbside trial. The officer has already decided you did something wrong, or he wouldn't have pulled you over. And he's heard it all. Be polite, it's in...

YOU'RE BADLY HURT If you were in a car accident and severely injured, perhaps in a coma, your doctor is obligated to determine if you have "sufficient mental capacity" to manage your "financial affairs." If not, he is duty bound to send a notice to the government. This means that...