If you drive a vehicle, auto insurance is mandated by law. Even if your vehicle isn’t worth very much, if you get into an accident, you could be in serious financial trouble without the right coverage. At HUB International, we are here to help you understand the level of coverage required for car insurance in Sarnia.

Types of Car Insurance in Sarnia

Car insurance isn’t a single type of coverage. Instead, your policy will include multiple forms of coverage to help you with financial liabilities in different situations. These are the main types of insurance you need to know about:

• Third-Party Liability: This coverage protects you if you are at fault in an accident. It will cover your liabilities for damage to other vehicles and property as well as medical expenses for other people. In Ontario, you must have at least $200,000 of third-party liability insurance.
• Statutory Accident Benefits: This coverage helps you with your medical expenses if you are injured in an accident. You will receive coverage even if the accident was your fault. This is also required in Ontario.
• Direct Compensation – Property Damage: This helps you pay for damage to your vehicle and other possessions if you are in an accident by not-at-fault. Driver’s must have this coverage in Ontario.
• Uninsured Automobile Coverage: If you are in an accident with a vehicle that isn’t insured, this coverage will help with medical and property expenses. It also applies if the other driver flees the scene. Like the above, this is required to drive in Ontario.
• Comprehensive: This type of insurance covers you if your vehicle is damaged while you aren’t using it. For example, natural disasters, theft, vandalism and similar types of damage are covered. This is not required legally but may be required by your auto lender.
• Collision: This form of coverage helps you with expenses to your property if you are in an at-fault accident. This can include with non-vehicle objects. This is not required by law but may be required by our auto loan agreement.