By law, every driver in Ontario is required to carry insurance,
with severe penalties – such as a minimum fine of $5,000
– for driving without it. But, how do you ensure that your
insurance is current, and that it didn't expire without you
Making sure you renew your auto insurance policy
In most cases, this is not an issue – the majority of
insurance policies automatically renew at the end of their term,
with cancellation of the policy only occurring at the client's
request. However, there are circumstances where a policy may not
automatically renew. For example, some insurance companies will not
renew a policy with a driver who has had three or more convictions
under the Highway Traffic Act. Likewise, a driver who has become
too high risk, such as one who has experienced multiple at-fault
accidents, may also find that their insurance company is unwilling
to renew the policy. In most cases where the policy is not going to
automatically renew, the insurance company is required to send you
a letter informing you of the situation – in a worst case
scenario, however, if you have not received your renewal package at
the expected time, you should contact your insurance company to
find out why it has been delayed.
If you are looking for a new insurance company or a better rate,
there are a few ways to approach it – one is to contact a
licensed insurance broker, who can get a number of estimates from
different insurance companies. Another is to contact the insurance
companies directly for estimates yourself. Both approaches have
their merits and drawbacks – the insurance broker may have
greater negotiating power on your behalf, but may be limited to the
insurance companies they represent, leaving you without quotes from
insurers who might suit you better.
When looking at alternate insurance companies, there are
a number of things you should be looking for. While annual
rates are important, you also need to look at what optional
benefits are being included with the rate quote. If you have a
newer or classic car, you may need a greater level of coverage than
if you are driving an inexpensive used car. You also need to know
the amount of the deductible – the amount that you must pay
towards repairs before the insurance company will cover the rest
– and how much it will cost to lower it if it is too high.
You may also want to know if the insurance company has an accident
forgiveness program, protecting your rates from increasing after a
single accident. Finally, you will want to check into the insurance
company itself – an insurance provider that is easy to reach
and has a history of treating their clients well is better than one
that has treated its clients poorly, or is difficult to
So long as you are a safe driver, remaining insured is not
generally going to be a problem. Ensuring that you have the
insurance that is right for you, on the other hand, can be harder,
and knowing who to talk to and what to look for can make all the
Under B.C.'s former and current Limitation Act, the limitation period for a Plaintiff's claim can be extended on the basis of a Defendant having acknowledged in writing some liability for the cause of action.
Automobile drivers, like fine wine, tend to get better with age. Older drivers can draw on a wealth of experience from their years on the road to assist them when faced by a variety of dangerous conditions.
The insurance industry will be interested in Ledcor Construction Ltd v. Northbridge Indemnity Insurance Co because of principles the Supreme Court of Canada applied to the "faulty workmanship" exclusion in a Builders' Risk policy.
For the first time in BC, a Court has decided that an insured is entitled to special costs, rather than the lower tariff costs, solely because they were successful in a coverage action against their insurer.
Register for Access and our Free Biweekly Alert for
This service is completely free. Access 250,000 archived articles from 100+ countries and get a personalised email twice a week covering developments (and yes, our lawyers like to think you’ve read our Disclaimer).