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FREQUENTLY ASKED QUESTIONS
Frequently Asked Questions About Car Insurance In Canada
Is there a penalty if I cancel my auto insurance before it expires? - Some companies may charge you the equivalent of a few weeks insurance payments, while some won't charge you at all. However, if you must cancel your car insurance before it expires, make sure you call them at least 5 weeks in advance. This way you can use the payment for the last month that you had made when you signed the insurance policy. What is the legal blood alcohol limit for driving in Canada? - Before May 1, 2009, the legal blood alcohol limit was 0.08. Starting May 1, there were some changes to the law. If you've been drinking and your blood alcohol concentration (BAC) registers from 0.05 to 0.08 on a roadside breath test, you will lose your driver's licence: First time - three days; second time - seven days and third time - one month. Drivers caught more than once face mandatory alcohol education programs and ignition interlock. Of course, you could try to challenge the breath test in court, but it's always better to be on the safe side and not drink and drive, otherwise it may cost you a lot of money. Can I insure my car online? - Yes, you can use one of the many web sites that sell auto insurance online to obtain a quote. You will get usually several quotes that vary widely in price. Choose the cheapest one and apply for it online. In a few business days you will get a call from a broker, who will ask you several questions and send you the application forms in your e-mail. Fill up the forms and fax them back to the dealer along with a copy of a void cheque for your automatic withdrawal. Upon receipt the broker will e-mail you a temporary insurance and mail to you the permanent one. If you had not received you permanent papers in 3 weeks you should call the dealer. If I file a comprehensive claim, such as for glass and mirror damage, will my premium go up? - A single comprehensive claim might not affect your premium. However, multiple comprehensive claims could result in your insurance company increasing your premium or even refusing to offer the coverage. They might assume that you are living in unsafe area or that you are not taking good care for your car. Depending on your deductible amount, a lot of times it would make no sense in reporting minor damages such as mirror damage. For example if your mirror would cost $300 to replace and your deductible is $300, there is no point in reporting it. Approaching a stopped police vehicle with its lights flashing in Ontario roads. - Ontario's Highway Traffic Act requires motorists to slow down and pass with caution when approaching a police, fire or ambulance vehicle, with its red lights flashing, stopped in the same direction of travel. If the road has two or more lines, the motorist must move over into the other lane, if it can be done safely. For a first offence, the fine is $400 to $2000, plus three demerit points upon conviction. For a second offence the penalty is much more severe. A conviction of this type can affect your car insurance premiums very negatively. When a child can use only a seatbelt without a booster seat? - A child can start using a seatbelt once any one of the following criteria is met: Child turns eight years old;
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