Car Insurance: Chatham, ON

Liability insurance is required for all drivers in Ontario. This basic insurance type covers damage to other vehicles in an accident, as well as bodily injury and damage to property. There are many options for choosing the best liability insurance for your budget and vehicle type. At HUB International, our insurance experts can help you calculate the coverage that makes sense for you.

Since Ontario law requires liability insurance, it may seem like you’re covered if someone else hits your vehicle. Unfortunately, that’s not always the case. Individuals with a suspended license may choose to get behind the wheel anyway, or they may not have enough insurance to cover damage to your vehicle or your medical expenses. Uninsured motorist coverage can ensure you receive the high-quality medical care you deserve, even if you’re injured by an uninsured driver.

In places where no-fault insurance is the norm, personal injury protection is vital for taking care of your medical expenses. This type of insurance can help pay for doctor’s appointments, medical treatments, emergency room visits and overnight hospital stays resulting from an accident. Personal injury insurance sometimes covers expenses related to unpaid leave from work for recovery.

It’s a good idea for parents and drivers who frequently carpool to look into medical payments insurance. Whenever you drive with other people in your vehicle, medical payments coverage gives you peace of mind. If you have a car accident, this coverage can help you pay for medical expenses for yourself, your family members and other passengers. Depending on the limits you choose, it can cover everything from ambulance rides to emergency surgery.