The auto insurance

What is Auto Insurance

An auto insurance is a policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage.

Auto insurance premiums vary depending on age, gender, years of driving experience, accident and moving violation history and other factors. Most states mandate that all vehicle owners purchase a minimum amount of auto insurance, but many people purchase additional insurance to further protect themselves.

A poor driving record or the desire for more complete coverage will lead to higher premiums. However, you can reduce your premiums by agreeing to take on more risk, which means increasing your deductible.

In exchange for paying a premium, the insurance company agrees to pay your losses as outlined in your policy. Coverages include:

  • Property – damage to or theft of your car
  • Liability – legal responsibility to others for bodily injury or property damage
  • Medical – costs of treating injuries, rehabilitation and sometimes lost wages and funeral expenses

Basic personal auto insurance is required by most U.S. states, and laws vary. Policies are priced individually to let you customize coverage amounts to suit your exact needs and budget.

Policy terms are usually six- or 12-month timeframes and are renewable. An insurer will notify a customer when it’s time to renew the policy and pay another premium.

Auto insurance is a contract between the policyholder and the insurance company. The policyholder agrees to pay the premium and the insurance company agrees to pay losses as defined in the policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to, or theft of, the car.
  • Liability coverage pays for the policyholder’s legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Most states require drivers to have auto liability insurance before they can legally drive a car. (Liability insurance pays the other driver’s medical, car repair and other costs when the policyholder is at fault in an auto accident.) All states have laws that set the minimum amounts of insurance or other financial security drivers have to pay for the harm caused by their negligence behind the wheel if an accident occurs. Most auto policies are for six months to a year. A basic auto insurance policy is comprised of six different kinds of coverage, each of which is priced separately (see below).

Quotes that cater to you

Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:

  • Choose your voluntary excess
  • Opt to protect your no-claims bonus
  • Decide whether to pay monthly or annually

Change any of these and you’ll get a fresh set of prices to fit your new answers.

Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.

You don’t need to take our word for it either — when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.

Need to know more about car insurance?

We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.

Getting an Insurance Quote? Here’s How to Lower your Premium.

Provide your car’s vehicle identification number or VIN to your insurer. Some cars are more expensive to insure. Without the correct VIN, you could be quoted a premium for a different — more expensive make or model — car. To save money, you can also:

  • Increase your deductible (i.e., your share of the cost of a claim)
  • Drop collision coverage on an older car
  • Look into a package deal for your car(s) and home
  • Install an approved theft deterrent system in your car

A Good Driving Record Can Reduce Your Premium

License suspensions, parking tickets and convictions for driving offenses all add up to higher car insurance premiums. In fact, after being convicted of a driving offence, it can take up to 6 years for your record to be considered clean again by insurers. Over the years, building a consistently accident-and conviction-free driving record can help reduce your premium. You can also:

  • Adjust how frequently you use your car
  • Take public transit to keep your annual kilometres low
  • Exclude high-risk drivers from your policy

Where You Live Can Increase Your Premium

Did you know that urban areas have varying degrees of higher claims costs? Higher density equals more risks, more accidents and more thefts. For example, using 2011 statistics, the average claims cost per vehicle in one city was 25% above that of a neighbouring city.

While there are good drivers in every city, on average, some areas have a higher than average claims costs than others. And as claims costs rise, so do premiums.

How CLEAR and Telematics Can Save You Money

Insurers use the Canadian Loss Experience Automobile Rating (CLEAR)​ system to assess the likeliness of your car being involved in a claim and what it will cost. Current data for each make, model and model-year of car is used to calculate expected and actual claims loss experiences. Choose a car with a lower claims risk and CLEAR number and you can expect a lower premium.

You can also learn about new cost-savings offered by telematics​. By installing a technology device in your car that records your driving activities, insurers can use this information to personalize your insurance premium.

How Much Auto Insurance Do You Need?

Our team understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In most states, to drive you must carry:

  • Liability coverage — to pay for losses you cause others, or
  • No-fault coverage — to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverage

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply.

We write insurance and would be happy to help you ensure you have the right coverage for where you live.

Financing a Car?

To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:


Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.


Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Car Insurance in Cornwall, Ontario

Cornwall, the seat of the United Counties of Stormont, Dundas, and Glengarry, proudly bears the motto pro patria (for one’s country). As Cornwall is a busy centre located close to the main border crossings to the United States, thousands of vehicles pass through the area daily, which can make driving conditions challenging. For life in Cornwall you want  to ensure you have the right auto insurance coverage at the right price. Count on the local experts at BrokerLink to help find the best car insurance for your needs.

Our way of finding the right car insurance coverage for our Cornwall customers is tried and true. We begin by understanding your unique needs, and then work with Canada’s top insurance companies to find the right fit for you. We work with quality providers you can count on to deliver claims service guarantees and options to help protect your good driving record.

It doesn’t matter what type of vehicle you insure – personal or business vehicle, SUV, car, minivan, truck, or even a fleet – you can rely on us to get you the auto insurance coverage that fits your needs at a great price. Want an even better price? Combine your auto and home insurance into one convenient policy and save even more. Let our Cornwall insurance team find the right auto insurance coverage for you.

Lifetime Renewability Auto Insurance

Once you have an auto insurance policy with The Hartford, your coverage will be renewed for as long as you’re able to drive. Just meet a few simple requirements such as maintaining a valid driver’s license and paying your premiums.

12-Month Car Insurance Rate Protection

You can relax knowing your low car insurance premium is locked in for a full year. This sets The Hartford apart from other insurers who may change rates every six months.

RecoverCare – Assistance After an Accident

When you choose car insurance from The Hartford, we’re here for you if you’re injured in an automobile accident. RecoverCare coverage provides reimbursement for essential home services you cannot perform yourself after a covered accident. For example, it can help cover costs of services like house cleaning, lawn maintenance, snow removal, transportation services, food preparation and even dog walking.

New Car Replacement Coverage

If you total your new car within the first 15 months or 15,000 miles after you buy it (whichever comes first), we’ll pay to replace it with a new vehicle of the same make, model and equipment – with no deduction for depreciation.§§

Lifetime Car Repair Assurance

After a covered claim, when you use one of the 1,600+ authorized repair shops in our approved network, we will stand behind the quality of covered repairs for as long as you own or lease your vehicle. This also saves you the hassle of searching for a trusted repair service on your own.

24/7 Car Insurance Claims Hotline

Accidents can happen any time of day or night and you deserve an automobile insurance company that can respond immediately no matter what time you call. You can reach our claims reporting service 24/7, and we’ll walk you through the car insurance claims process. Our 6-Point Claim Commitment is your assurance of getting prompt, caring service throughout your claim experience.

Important Factor for a Partial Loss: File a Diminished Value Claim

  • A partial loss is when the vehicle can be repaired. You may want to look into making a Diminished Value Claim since once your car is in an accident, aside from the normal expected repairs, you may suffer a greater financial loss and be eligible for additional compensation, depending on the situation and the state you live in. Your adjuster should be able to discuss diminished value claims with you.

Filing a Total Loss Claim and Gap Insurance Coverage

  • If you are worried about a total loss, which means that the vehicle damage will exceed the vehicle value, therefore be considered a total loss, and you have a newer vehicle, you may want to ask your adjuster how the gap insurance part of the claim will work if you decided to purchase gap insurance coverage when you bought your car insurance. Gap insurance is an endorsement added to your policy, so not every person has it, but if you do, this is a good time to find out how this will work for your claim. You will also want to know how they will determine if it is a total loss, and how long they think this will take to settle. Understanding realistic timelines helps you manage expectations in a claim and avoids frustration.

Rates change frequently and vary widely from insurer to insurer. Variable factors such as the type of car you drive, where you reside, your age, your sex, number of recent traffic infractions, and even how much you drive are all part of the car insurance quote calculation. However, insurers assign differing rating values to your personal data. For this reason, it’s important to compare rates often with current car insurance quote. Let us be your risk advisor of choice.

With PCS, you have access to a team of knowledgeable and experienced insurance brokers, readily available to help you determine your home and auto coverage requirements.

PCS offers the strength and stability of a national company with a commitment to professional and personalized service — let us help with your next car insurance quote.

Car Insurance Coverages Available

  • Third-Party Liability – Covers damage to a third party’s property and bodily injury to a third party.
  • Accident Benefits/Loss of Income – The governments of every province require that car owners purchase insurance for their own medical costs and possible loss of income as a result of driving injuries.
  • Collision – Covers damage to your car.
  • Comprehensive – Protects against fire, theft, vandalism, and other insured perils.
  • Loss of Use – This insurance covers the cost of a rental vehicle while your own vehicle is being repaired after an insured loss. Coverage is to the specified limits of your insurance.
  • Legal Liability For Non-Owned Automobiles – This coverage option extends the collision portion of your existing auto policy to another vehicle.
  • Optional Accident Forgiveness – This is an insurance option usually only available to highly-rated drivers with good driving histories. It generally protects your auto insurance coverage and allows for your first at-fault accident to be forgiven in terms of any rating changes.
  • Minor Conviction Rating Waiver – This coverage allows for a minor conviction to be removed from consideration when calculating your insurance premium. Please note that this coverage only pertains to your future car insurance quotes. It does not apply to your government driving record. Not available in all provinces.
  • Waiver of Depreciation – Allows for new car replacement when automobile is less than a certain age (e.g. in most cases 24-36 months or newer, but sometimes up to five years) when declared a total loss after an accident.
  • Business Use of Vehicle – Ensures you are properly insured if you use your vehicle for business purposes.

Of the coverages offered, only Third-Party Liability and Accident Benefits/Loss of Income are required by law in Canada. In terms of the most recommended car insurance coverage, consumers usually purchase Collision and Comprehensive insurance after requesting their car insurance quote.

Why you need car insurance

You must have car insurance if you own a car or other vehicle.

Car insurance may protect you from:

  • having to pay to repair your car or other vehicle if it’s damaged or in an accident
  • liability claims if you’re held responsible for an accident causing damage to another person’s vehicle or injury to other people​

Insurance companies may refer to car insurance as property and casualty insurance. Property and casualty insurance also includes home insurance, business insurance and disaster insurance.

Who a car insurance policy covers

If you get into a car crash, your insurance may cover:

  • ​the driver
  • all passengers
  • other people who are involved

In some provinces, injured passengers or other people involved in the accident who have their own insurance policy must make a claim under their policy first.

The principal driver is the person who drives the car most often.

Additional drivers are other drivers in the household who may use the car as part of their routine, such as driving to school or work. Your insurance policy must list additional drivers. If additional drivers have a poor driving record, your premiums may increase.

Occasional drivers are drivers who only use the car from time to time.

What a car insurance policy covers

Coverage is the maximum amount of money the insurance company will pay you if you make a claim for a loss or an event covered by your policy.

Mandatory insurance coverage

Canadian provinces and territories require drivers to have mandatory coverage. Some provinces may require more coverage than others.

Liability insurance

Liability insurance covers losses, such as injury or death, which your vehicle causes to other people. It also covers damage your vehicle causes to other vehicles. If the cost of the losses or damage is more than your liability limit, you’ll need to pay the balance of the settlement yourself.

Liability insurance does not cover the cost of repairs to your own vehicle. You may need to consider additional insurance to cover these costs.

Accident benefits/bodily injury insurance

Accident benefits cover the cost of your own medical expenses and loss of income when you’re in a car accident.

In Quebec, you’re automatically enrolled for insurance that covers bodily injury. Premiums are paid as part of your driver’s licence registration. You don’t need to buy extra coverage for this.

Harbor Insurance Services The Treasure Coast Down To West Palm Beach

Harbor Insurance has two offices on Florida’s Atlantic side. We are in Port St. Lucie and West Palm Beach. Our Car Insurance veterans have forged excellent relationships with over 30 insurance companies. We truly cover the spectrum of Florida Insurance in order to help you identify your needs and exposures.

We focus on your Automobile Insurance needs regarding protection and cost—obtaining the best of those two insurance aspects for you. Get started today! Come visit our office, give us a call or simply fill out the Protection Savings Form on this page right now to get started.