Car insurance in Belleville

Accident benefits coverage will cover you if you are involved in an accident and someone is injured as a result. The injured party could be you, a passenger, another driver, or a pedestrian, but regardless, the accident benefits portion of your policy will help pay for the cost of medical attention. Specifically, accident benefits will cover medical fees not covered by basic healthcare in Ontario. It may also cover costs related to injury, like loss of income or even funeral costs if someone perished in the accident.

Uninsured motorist coverage aims to protect all Ontario drivers who get into car accidents with drivers who are either uninsured, underinsured, or unidentified. We explain each of these categories below:

• An uninsured motorist: a motorist who does not have a car insurance policy that is valid in Ontario, and is therefore driving illegally
• An underinsured motorist: a motorist who does not have high enough coverage limits to pay for the cost of the damages that arise from the car accident
• An unidentified motorist: a motorist whose identity is unknown because they fled the scene of the accident, unidentified motorists are typical of hit and run accidents

If your vehicle needs to be repaired after suffering damage in a car accident, you may be eligible for compensation via the direct compensation - property damage coverage portion of your policy. Please note that this type of mandatory coverage is intended to cover the cost of vehicle repairs but is only applicable if you did not cause the accident.

Collision car coverage is similar to direct compensation - property damage coverage in that they are both designed to protect drivers from the reality of physical damage to their cars. That said, collision coverage is more comprehensive than direct compensation coverage as it can be claimed regardless of whether the policyholder caused the accident (direct compensation can be claimed if the policyholder was not responsible for the accident), as well as no matter what was involved in the accident.. It could be with another car, an animal, or even a grounded object on the road. If you decide to add collision coverage to your Belleville insurance plan, make sure that you choose a coverage limit that adequately reflects the value of your car. It’s also worth noting that while collision coverage is optional for most motorists, it may not be if you finance or lease your car.

Comprehensive car coverage is a second type of optional car insurance coverage that Belleville motorists like to add to their policies. Why? Due to the extra protection it offers. Comprehensive coverage is sometimes referred to as parked car coverage because, unlike the other coverages on this list, it can protect you if damage occurs to your car while it is parked rather than while you’re driving. Specifically, comprehensive coverage offers financial security in the event that your car suffers damage or loss that is caused by a covered peril. Covered perils range from fire and water to theft, vandalism, falling objects, water damage, and more. Like collision coverage, comprehensive coverage is usually optional, though it could be required if you lease or finance your car in Belleville.

One more type of optional car insurance coverage popular among drivers in Belleville is accident forgiveness . Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage and eligibility varies by province.

Loss of use coverage can pay for costs that arise when your vehicle is being repaired. For example, if you are in a car accident and your car is dented, it will likely go into the shop. But how will you get around while your vehicle is in the shop being repaired? Loss of use coverage helps answer this question. It compensates policyholders, up to the coverage limit, for the cost of taking an alternative mode of transportation until they get their vehicles back. This alternate mode of transportation could take the form of public transit, renting a car, or hiring taxis or ride shares.