If you live in Ontario and own a car, you know that auto insurance is mandated by the government. But… this doesn’t take away the complexity of auto insurance!
Do you know what limits of coverage you need to have and your options to increase these limits?
Do you know if you’ll be provided with a rental car in the event of a claim?
If you’re in an accident and the other driver sues you, do you know how your insurer will respond?
What if you are injured in an accident and can’t work…what happens then?
If all you know about your car insurance is how much you pay, then it’s time to talk with Advocate. You need someone on your side who will take the time to assess your needs, shop the market to find the best solution for you and help you make informed decisions about your insurance.
Let’s face it, insurance is expensive. But just selecting the cheapest car insurance quote might be the most costly mistake you ever make if you don’t have the protection you need in the event of a claim. Take the time to speak with a licensed broker, so together we can build the right solution for you. You get to choose what you purchase but we want you to know your options!
It’s all about you. Advocate is here to represent your interests. We work with many different insurance companies so unlike a direct writer or agent who can only offer you one insurance company’s products, our licensed insurance brokers will shop the market to find the solution that is best for you.
The same is true in the event you have an accident. We are here to represent your interests. We work independently from the insurance companies so we’re here to assist you.
Want to understand how Advocate will
help you in the event you have a claim?
Click here to learn about our Personal Recovery Co-ordinator solution.
How do I know what auto insurance coverage I need?
Although the Ontario Automobile Policy is a standard policy that is regulated by the government, it is still a very complex product. There are many optional benefits that are available based on your own personal needs. Always work with a licensed insurance broker who will take the time to discuss your options with you and help you make informed decisions.
What happens if I lend someone my vehicle and they get in an accident?
When you lend your vehicle, you also lend your insurance. In the event someone is involved in an accident while using your vehicle, your own policy will apply and your insurance company will respond for the accident. Please remember that depending on the nature of the accident this could impact your insurance record and your insurance rates.
Do I need to inform Advocate if I start driving for a ride sharing program such as Uber?
Yes. How you use your vehicle has an impact on your insurance. Your insurance company will want to know if you use your vehicle for a ride sharing program. Although Uber now has their own fleet policy in place for their employees, some insurance companies have different requirements if you are driving for Uber. It’s always best to check. Let us know if you’d like to discuss how the insurance companies that we work with, handle ride sharing vehicles.
Why did my insurance premium increase?
There are a number of factors that could cause your insurance premium to increase. All insurance companies must have their Ontario auto rates approved by the Government regulator, Financial Services Commission of Ontario (FSCO). Depending on the details of your policy, your rates could go up on renewal when you enter a new policy period. Or perhaps you’ve made a change to your policy such as –
Change the use of the vehicle (i.e. commuting distance)
Added/deleted a driver
Suffered a recent claim
Amended coverage, limits or deductibles
Always work with a licensed insurance broker who will take the time to review your policy with you and answer any questions you have.
Do I really need an umbrella policy?
Consider for a moment whether it is possible that you could ever be sued. Do you drive a car? Do you have children? Do you have a dog? Do you ever entertain at your home? Do you or your kids use social media? If you answered ‘yes’ to any of these questions you are personally at risk. Despite best intentions, injuries and property damage can occur. That’s why home and auto insurance policies have liability coverage.
But what happens when that limit is used up? When was the last time you increased your liability coverage? It likely won’t be a surprise to you that court award judgments are on the rise. An umbrella liability policy is an excellent way to bring an additional layer of protection for you and your family. Ask us to provide a quote for your consideration because we want you and your assets to be protected.
"We have recommended Advocate to many of our friends and family and anyone who got a quote also switched companies. Customer service is also excellent and I have and will recommend them again and again."
- S. Hunter
"After a car accident, I was treated very well by Advocate's Personal Recovery Coordinator Linda. I am a happy customer and have referred many others to try Advocate as their brokerage of choice."
- D. Kalinowski
"Linda is extremely considerate, compassionate and provides a level of service that is rare in this day and age. She is a true professional and a fantastic representative for the Advocate Group! Thank you for the great service!"
- D. MacDougall
"I have been with Advocate Insurance since I got my first apartment 26 years ago, and have always had great service. Even though I am no longer in in the Kitchener-Waterloo area I still use them for them for all my insurance needs."
- C. Johnson
"We were with the same insurance company for over 20 years, assuming that we were getting the best bang for our buck until we got a quote from Advocate. We saved a considerable amount of money on the insurance and our liability coverage was substantially higher."
- S. Hunter
"I was referred to Advocate Insurance by a friend/home caregiver. They were easy to work with and explained everything clearly. They also are great at knowing what kind of daycare insurance I need for running a home daycare. I now recommend Advocate Insurance to everyone I talk to."
- C. Goga
"My husband recently was involved in a 'fender-bender’ and was deemed not at fault. However, our car suffered considerable damage. Advocate Insurance Group handled our claim quickly and to our complete satisfaction. What could have been a difficult situation was stress-free."
- J. Anthony
"I consider Advocate my insurance family. I always feel welcome and appreciated whether it be purchasing new insurance, changing existing insurance or simply obtaining clarification on a specific matter."
- D. Kalinowski
"With two children becoming drivers at the same time, Advocate was very patient with all the changes being made. I always tell people to go to Advocate and they've never been disappointed."
- K. Crane
"Advocate has been great for our business. Annual renewal is smooth and easy. Their friendly and personal service is second to none, and their skill set and expertise instills confidence that we are getting the best deal."