Fergus Car Insurance

Fergus Car Insurance Policies

In Ontario, every driver is required to carry car insurance regardless of circumstances. These minimum car insurance requirements include:

• Third Party Liability Coverage: Covers the cost of property damages, bodily injury or death to others as result of an at-fault collision.
• Statutory Accident Benefits Coverage: This coverage includes income replacement, rehabilitation, and more as related to the effects of an accident.
• Uninsured Automobile Insurance: This policy extends to you if you’re struck by an uninsured vehicle or if you are a victim of a hit-and-run collision.
• Direct Compensation Property Damage Insurance: Provides compensation to you for any injuries, damages to your vehicle, or loss of use of your vehicle as a result of an accident which you are not at fault for.

These mandatory car insurance requirements are designed to cover the basics but often they are not enough to offer peace of mind to drivers in Fergus. For example, $200,000 is the minimum coverage required by law for third party liability coverage. However, the cost of bodily injury or property damages can easily go beyond this figure.

Direct Compensation will only cover you if the collision takes place in Ontario. If you regularly travel out of province you will want to add additional coverage. It also does not cover basics like theft, vandalism, animal collisions or the effects of natural disasters.

We know that everyone will use their personal vehicle differently. If you want peace of mind consider adding additional coverage to your Fergus car insurance policy. Our goal is to keep you and your family safe on the roads. That’s why we put together Fergus car insurance policies to suit your unique needs.