If you are looking for Auto insurance, Hoogasian Insurance Brokers can help get the right coverage for your vehicle at the best price.
For a quote on automotive insurance, please view the Quote page and be advised that you may wish to reference your current automobile insurance policy to obtain information.
Please have the following information available to complete your automobile insurance estimate.
- The year, make and model of vehicle
- Driving records, license information and claim information (if applicable) for each driver you wish to enter
Everyone in Ontario who owns a vehicle requires the minimal amount of coverages for their vehicle however additional coverages can be purchased to protect your vehicle from physical damage as well as other options.
We recognize that every driver is different so we can consider different needs based on your own history and make sure to get the best price available. We consider:
- Coverages and deductibles
- Your vehicle information
- The use of your vehicle
- How many drivers in your household
- Your driving experience as well as other drivers experience
We look at savings as well as reliable coverage, discounts we consider:
- Home and Auto multi-policy
- Retiree discount
- Conviction free discounts and claims free discounts
This section of your automobile insurance policy protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs of settling the claims.
Statutory Accident Benefits Coverage
This section of your automobile insurance policy provides you with benefits if you are injured in an automobile accident, regardless of who caused the accident, including supplementary medical, rehabilitation and attendant care, caregiver, non-earner and income replacement benefits. Options exist to increase most of these coverages.
Direct Compensation - Property Damage (DC-PD) Coverage
This section of your automobile insurance policy covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, if another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer.
Coverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met:
- The accident took place in Ontario;
- There was at least one other vehicle involved in the accident; and
- atleast one of the other vehicles is also insured by an insurance company that is licensed in Ontario or has signed a special agreement with FSCO to provide this coverage.
If these conditions are not met, then you can make a claim on your optional Collision coverage (if you have it), whether or not you are at fault. If you don't have Collision coverage, you may be able to pursue recovery from the at-fault driver.
Uninsured Automobile Coverage
Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver. Increasing Your Liability and Accident Benefits Coverage as well as Optional Benefits can be discussed based on your individual needs contact our office to discuss options.