Car Insurance

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Car Insurance

We understand that navigating the world of car insurance can be complex! Our brokers are here to make it simple and straightforward for you. We Talk Insurance team is committed to provide you with the best coverage options tailored to your unique needs and budget.

Ontario has specific requirements and options for car insurance. Here’s a breakdown of what you need to know:

Mandatory Coverage

Third-Party Liability

This covers legal responsibility for injuries or damages to others in an accident. Ontario law requires a minimum of $200,000, but higher limits are recommended.

Accident Benefits

Provides benefits if you are injured in an accident, regardless of who is at fault. This includes medical and rehabilitation costs, income replacement, and other related expenses.

Direct Compensation

Property Damage: Covers damage to your vehicle and its contents when another driver is at fault.

Uninsured Automobile Coverage

Protects you and your family if you are injured or killed by an uninsured driver or if you are involved in a hit-and-run.

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Optional Coverage

Collision Coverage

Pays for damage to your vehicle as a result of a collision with another vehicle or an object.

Comprehensive Coverage

Covers non-collision-related damage such as theft, vandalism, fire, and natural disasters.

Specified Perils

A more affordable alternative to comprehensive coverage, covering risks specifically named in your policy.

All Perils

A combination of collision and comprehensive coverage, including protection if someone you live with steals your car.

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Our Brokers

At We Talk Insurance, we guide you to the perfect insurance plan, knowing its long-term effects on your business. With seasoned brokers, we prioritize experience to ensure:

Expertise

Personalized Customer Service

Tailored Policies

Competitive Quotes