Car Insurance: Sarnia, ON
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.
At HUB International, we know that everyone has a different situation, budget and preferences. Our brokers will work carefully with you to help you find car insurance in Sarnia with coverage requirements catered to your needs. Whether you only need the Ontario minimum insurance or want a more complete policy, we are here to help with non-nonsense guidance and numerous options.
Do You Need Comprehensive and Collision?
Many people need to have comprehensive and collision coverage because they have auto loans that require it. Not all lenders have the same rules. Review your loan documents for more information. If you do not have an auto loan, you may still want to get these types of coverage. They can offer peace of mind in a variety of situations. Typically, the rule of thumb is that if the annual premium and deductible are less than the value of your vehicle, you should get comprehensive and collision.
Of course, the hard finances aren’t the only considerations. For example, you may want to answer the following questions:
- Would your vehicle be hard to replace? For example, is it a classic or rare vehicle?
- Do you plan to travel internationally, particularly to the US?
- Do you often transport expensive possessions?
The answers to these questions will help us to guide you to the right policy for you. We will also talk with you about your preferences to ensure that you are always taking to the road with confidence. We are always working hard to provide car insurance in Sarnia that residents can count on.
Our Commitment to Your Satisfaction
The HUB International team is dedicated to establishing lasting relationships with our customers. We want to be sure that you fully understand your policy before you sign it. Additionally, we will work hard to ensure that your coverage is the right amount for your needs. We don’t want you to be burdened with expensive premiums or find yourself with insufficient coverage. Our brokers are committed to finding the right balance for each individual customer.
