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Auto Insurance in Ontario Canada

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If you live in Ontario, Canada, and are looking to buy auto insurance coverage for your vehicle, it’s important that you know what options are available. You may be surprised to learn that there are several different types of car insurance policies available in Ontario. In this article, we’ll discuss the different types of auto insurance policies and how they differ from one another so that you can choose which type best suits your needs.

Why do I need car insurance?

Car insurance is a legal requirement for all drivers. There are many reasons why you need car insurance, but the most common ones include:

  • Protecting yourself from financial loss. If your car is damaged or stolen, or if someone hits you while driving, it can leave you financially vulnerable. You may also be able to claim compensation for injuries sustained in an accident that was caused by someone else’s negligence (see below).
  • Protecting other drivers from financial loss. Auto accidents are not only dangerous; they’re also expensive! If one of your passengers gets into an accident because they were distracted by their phone or didn’t look where they were going—or worse yet, if one of them crashes into another vehicle—you could be left footing some of the bills for repairs on both vehicles and medical expenses related to any injuries sustained during the collision itself.* Protect yourself from legal consequences such as lawsuits.* Protecting your car from theft.* Preventing identity theft against yourself as well as others using stolen credit cards or bank accounts under false pretenses like fraudulently obtaining loans through false identifications

Can I drive without auto insurance?

Driving without auto insurance is not illegal, but it can get you into trouble with the law. If you’re caught driving without insurance and your license is suspended or revoked, then there are additional fines and penalties that will be assessed by the court.

In Ontario Canada, driving without any form of security for injury cover (auto insurance) is considered an offense under the Provincial Offences Act (POA). The POA states that anyone who drives a motor vehicle on highways must carry full financial responsibility coverage that meets minimum requirements set out by law. If someone drives while they have no legal requirement to do so in Ontario Canada, they could face serious consequences including:

  • Fines up to $1 000 plus costs;
  • Conviction marks on their record which may affect employment opportunities;
  • Having their driver’s license suspended or revoked permanently;

What types of car insurance are available in Ontario, Canada?

  • Liability insurance: A good liability policy will cover you in case of an accident. You should also make sure that it covers medical payments, personal effects, and other costs related to the accident.
  • Collision insurance: If your vehicle is struck by another car and gets damaged, this type of coverage would pay for repairs made on your vehicle as well as all medical bills incurred due to injuries sustained during the collision.
  • Comprehensive coverage: This type of auto insurance provides protection against theft or vandalism including damage caused due to fire, windstorms or hail storms, etc., which can happen even if there was no fault on your part at all! In short – this kind of policy will provide financial assistance when something bad happens (like getting flooded out). So if someone steals from your car while parked outside their house – then they might be responsible for paying off any damages caused after putting everything back together again…but since most people don’t have unlimited funds available lying around everywhere just waiting for them whenever things go wrong; most people opt instead for deciding upfront whether they want comprehensive coverage before buying anything else; but even if money wasn’t tight enough beforehand either way still worth considering whether starting with something cheaper may end up saving more overall down payment later down the road.”

How much does car insurance cost in Ontario?

How much you pay for car insurance depends on a number of factors, including:

  • the make and model of your vehicle
  • whether or not you have a good driving record (i.e., no accidents)
  • the amount of coverage you select

Do I need liability auto insurance?

Liability auto insurance is mandatory in Ontario. This type of auto insurance covers damage to other people or property, such as your own car if you hit someone while driving.

You must have liability coverage on your vehicle at all times you are driving it, even if it’s parked or not in use. You may not be able to drive without liability coverage every day of the year; this is because most people do not realize they need an SR-22 form (the same document used when filing taxes) until they get into an accident and need to file one with their state board of motor vehicles (SBMV). Some states require drivers who do not have SR-22 forms available within 48 hours after an incident occurs!

How much auto insurance coverage do I need in Ontario?

How much auto insurance coverage do I need in Ontario?

The answer depends on your situation, but generally speaking, you should have enough coverage to replace your car if it is damaged or stolen. You should also have enough coverage to cover any injuries you or your passengers sustain. And finally, you should have enough coverage to cover any legal fees you may incur as a result of an accident.

What is the best auto insurance in Ontario, Canada?

When it comes to auto insurance in Ontario, you have a lot of options. There are many different companies that offer varying levels of coverage and prices. The best way to find the right one for your needs is by comparing them with each other. You’ll want to consider the cost and coverage features as well as customer service so that you can get the best possible deal on car insurance in Ontario!

You should also ask friends or family members for recommendations on which companies they use because they may have used them before themselves which means they know what works best based on their own experience.

Insure your car meets the requirements and needs of your family.

When you’re shopping for auto insurance, make sure you have the right amount of coverage for your needs. Insurance is about protecting yourself and your family from unforeseen events, so it’s important to do your research and make sure that you’re covered for all the things that might happen on the road.

A good rule of thumb is that if something could possibly happen—like losing control of your car due to a tire blowout or hitting another vehicle while driving at night—insurance should cover it. However, if an accident seems unlikely (for example: “I’m not going to do anything else but go straight through this intersection”) then it may be OK just take out basic liability coverage instead because there won’t be any additional costs associated with getting into an accident like this one would incur if they had been involved in one beforehand (such as paying out medical bills).

Conclusion

In Ontario, Canada there are many insurance companies that offer car insurance. Each company offers different types of coverage and prices will vary depending on what you need. It is important to shop around before settling on one particular company as rates can vary widely from one provider to another. The best auto insurance in Ontario may not be the cheapest but it will provide you with peace of mind knowing that if something unexpected happens all claims will be handled professionally by professionals who have experience dealing with similar scenarios.

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Canada’s Denis Shapovalov wins Belgrade Open for his second ATP Tour title

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BELGRADE, Serbia – Canada’s Denis Shapovalov is back in the winner’s circle.

The 25-year-old Shapovalov beat Serbia’s Hamad Medjedovic 6-4, 6-4 in the Belgrade Open final on Saturday.

It’s Shapovalov’s second ATP Tour title after winning the Stockholm Open in 2019. He is the first Canadian to win an ATP Tour-level title this season.

His last appearance in a tournament final was in Vienna in 2022.

Shapovalov missed the second half of last season due to injury and spent most of this year regaining his best level of play.

He came through qualifying in Belgrade and dropped just one set on his way to winning the trophy.

Shapovalov’s best results this season were at ATP 500 events in Washington and Basel, where he reached the quarterfinals.

Medjedovic was playing in his first-ever ATP Tour final.

The 21-year-old, who won the Next Gen ATP Finals presented by PIF title last year, ends 2024 holding a 9-8 tour-level record on the season.

This report by The Canadian Press was first published Nov. 9, 2024.

The Canadian Press. All rights reserved.



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Talks to resume in B.C. port dispute in bid to end multi-day lockout

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VANCOUVER – Contract negotiations resume today in Vancouver in a labour dispute that has paralyzed container cargo shipping at British Columbia’s ports since Monday.

The BC Maritime Employers Association and International Longshore and Warehouse Union Local 514 are scheduled to meet for the next three days in mediated talks to try to break a deadlock in negotiations.

The union, which represents more than 700 longshore supervisors at ports, including Vancouver, Prince Rupert and Nanaimo, has been without a contract since March last year.

The latest talks come after employers locked out workers in response to what it said was “strike activity” by union members.

The start of the lockout was then followed by several days of no engagement between the two parties, prompting federal Labour Minister Steven MacKinnon to speak with leaders on both sides, asking them to restart talks.

MacKinnon had said that the talks were “progressing at an insufficient pace, indicating a concerning absence of urgency from the parties involved” — a sentiment echoed by several business groups across Canada.

In a joint letter, more than 100 organizations, including the Canadian Chamber of Commerce, Business Council of Canada and associations representing industries from automotive and fertilizer to retail and mining, urged the government to do whatever it takes to end the work stoppage.

“While we acknowledge efforts to continue with mediation, parties have not been able to come to a negotiated agreement,” the letter says. “So, the federal government must take decisive action, using every tool at its disposal to resolve this dispute and limit the damage caused by this disruption.

“We simply cannot afford to once again put Canadian businesses at risk, which in turn puts Canadian livelihoods at risk.”

In the meantime, the union says it has filed a complaint to the Canada Industrial Relations Board against the employers, alleging the association threatened to pull existing conditions out of the last contract in direct contact with its members.

“The BCMEA is trying to undermine the union by attempting to turn members against its democratically elected leadership and bargaining committee — despite the fact that the BCMEA knows full well we received a 96 per cent mandate to take job action if needed,” union president Frank Morena said in a statement.

The employers have responded by calling the complaint “another meritless claim,” adding the final offer to the union that includes a 19.2 per cent wage increase over a four-year term remains on the table.

“The final offer has been on the table for over a week and represents a fair and balanced proposal for employees, and if accepted would end this dispute,” the employers’ statement says. “The offer does not require any concessions from the union.”

The union says the offer does not address the key issue of staffing requirement at the terminals as the port introduces more automation to cargo loading and unloading, which could potentially require fewer workers to operate than older systems.

The Port of Vancouver is the largest in Canada and has seen a number of labour disruptions, including two instances involving the rail and grain storage sectors earlier this year.

A 13-day strike by another group of workers at the port last year resulted in the disruption of a significant amount of shipping and trade.

This report by The Canadian Press was first published Nov. 9, 2024.

The Canadian Press. All rights reserved.



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The Royal Canadian Legion turns to Amazon for annual poppy campaign boost

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The Royal Canadian Legion says a new partnership with e-commerce giant Amazon is helping boost its veterans’ fund, and will hopefully expand its donor base in the digital world.

Since the Oct. 25 launch of its Amazon.ca storefront, the legion says it has received nearly 10,000 orders for poppies.

Online shoppers can order lapel poppies on Amazon in exchange for donations or buy items such as “We Remember” lawn signs, Remembrance Day pins and other accessories, with all proceeds going to the legion’s Poppy Trust Fund for Canadian veterans and their families.

Nujma Bond, the legion’s national spokesperson, said the organization sees this move as keeping up with modern purchasing habits.

“As the world around us evolves we have been looking at different ways to distribute poppies and to make it easier for people to access them,” she said in an interview.

“This is definitely a way to reach a wider number of Canadians of all ages. And certainly younger Canadians are much more active on the web, on social media in general, so we’re also engaging in that way.”

Al Plume, a member of a legion branch in Trenton, Ont., said the online store can also help with outreach to veterans who are far from home.

“For veterans that are overseas and are away, (or) can’t get to a store they can order them online, it’s Amazon.” Plume said.

Plume spent 35 years in the military with the Royal Engineers, and retired eight years ago. He said making sure veterans are looked after is his passion.

“I’ve seen the struggles that our veterans have had with Veterans Affairs … and that’s why I got involved, with making sure that the people get to them and help the veterans with their paperwork.”

But the message about the Amazon storefront didn’t appear to reach all of the legion’s locations, with volunteers at Branch 179 on Vancouver’s Commercial Drive saying they hadn’t heard about the online push.

Holly Paddon, the branch’s poppy campaign co-ordinator and bartender, said the Amazon partnership never came up in meetings with other legion volunteers and officials.

“I work at the legion, I work with the Vancouver poppy office and I go to the meetings for the Vancouver poppy campaign — which includes all the legions in Vancouver — and not once has this been mentioned,” she said.

Paddon said the initiative is a great idea, but she would like to have known more about it.

The legion also sells a larger collection of items at poppystore.ca.

This report by The Canadian Press was first published Nov. 9, 2024.

The Canadian Press. All rights reserved.



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