Car Insurance in Scarborough

Uninsured automobile coverage is designed to protect you and any passengers in your vehicle if you get into an accident with an at-fault driver who is uninsured or underinsured. This type of coverage also protects the policyholder in the event of a hit-and-run.

If you, a passenger, or a pedestrian require medical attention following a collision, accident benefits coverage can help. Protection is offered regardless of who was at fault for the accident and can help cover loss of income, and medical expenses, such as prescription medications, physical therapy, rehabilitation, and other associated costs.

Direct compensation-property damage is no longer mandatory for those in Scarborough or the rest of Ontario. This car insurance policy covers vehicle repairs if you are hit by an at-fault driver and allows you to deal directly with your own insurance company, ensuring a swift claims process.

Collision car coverage is a type of auto insurance that covers the cost of vehicle repairs following an at-fault accident. Again, motorists will need to pay a deductible to their insurance company when filing a claim.

Comprehensive car coverage protects policyholders if their vehicle is damaged in a non-collision event. Common perils protected under this insurance policy include theft, vandalism, weather damage, falling objects, and fire damage. When filing a claim with your insurance company you will need to pay a deductible.

One final type of optional car insurance coverage popular among Scarborough residents 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.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.