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Despres-Pacey Insurance Brokers Limited - Auto Insurance


Automobile: Personal : Business : Commercial : Recreational

Automobile Insurance in Ontario is required by law to be placed on any licensed motorized vehicle that uses public land or highways in the Province. This includes automobiles, trucks, snowmobiles, and ATVs, to name but a few.

Automobile insurance is much more than just a legal obligation - it offers you valuable protection against loss and injuries in the event of an automobile accident. Despres-Pacey Insurance Brokers Limited offers a variety of comprehensive automobile insurance packages to meet your needs.

Every auto policy has certain specific coverages that are mandatory for everyone. This ensures that all people injured in automobile accidents -- drivers, passengers, cyclists or pedestrians -- will be entitled to certain accident benefits such as income replacement, medical care and rehabilitation, or attendant care.

Mandatory Coverages


Third-party Liability: We strongly recommend limits of $2,000,000 or higher to protect yourself in the event that the driver of your vehicle injures another party or damages another party’s property.

Uninsured Automobile Coverage: Is required in the event the owner of the vehicle that injured you or caused damage to your vehicle doesn’t have any insurance.

Statutory Accident Benefits: Provides medical payments and scheduled death and disability benefits, regardless of fault.

Direct Compensation for Property Damage: This coverage ensures that to the extent you are not at fault, your insurance company pays for the damage to your vehicle.

There are numerous optional coverages and endorsements available under the automobile policy. Highlighted below are just a few of the optional coverages for your benefit.

Optional Coverages


Increased Accident Benefits

Indexing of the income replacement benefits

Increasing the weekly income replacement benefits

Increased benefits for unpaid caregivers for expenses required to hire a replacement caregiver

Increased death benefit

Collision or Upset: Provides coverage for damage to your vehicle when it is involved in a collision or upset.

Comprehensive Coverage: Provides coverage for all losses, other than collision or upset.

Specified Perils: Damage caused by fire, theft, lightning, windstorm, hail or rising water, earthquake, explosion, riot or civil disturbance; falling or forced landing of aircraft or parts of aircraft; or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which the vehicle is being carried on land or water.

All Perils: Combines collision and comprehensive coverage into one package.

Loss of Use OPCF #20: Provides car rental coverage for you when your vehicle is not usable due to loss or damage caused by a peril for which you are insured.

Waiver of Depreciation OPCF#43:Waives depreciation on your vehicle for a specific period of time. Applies to new automobiles only.

Family Protection Coverage OPCF #44: Provides limited protection to you and specified family members due to injury caused by another motorist who has less liability insurance than you do. The coverage pays for the difference between your liability limit and the limit carried by the other motorist at fault.

Liability for Damage to Non-owned Automobiles OPCF#27: Extends the physical damage coverage on your automobile to vehicles that are leased, (short term only) hired, rented or borrowed by you.

Ask our staff at Despres-Pacey Insurance Brokers Limited, for more information on optional benefits.