Protect Your Investment With Reliable Car Insurance
Ajax is a vibrant waterfront town in Southern Ontario. The town has embraced inclusion and progressive thinking and is highly diverse with more than 65 spoken languages. The city draws people who crave diversity, making it one of the fastest-growing Eastern Greater Toronto Area towns. Despite its generally peaceful population, Ajax and the rest of Southern Ontario experience a high number of car accidents, which is why Ajax car insurance is so important.
Each year, more than 20,000 Ontario car accidents result in personal injury. Negligence is the leading cause of car accidents by far. Approximately 42% of all Ontario car accidents are due to negligence. Impaired driving, distracted driving and speeding are the three leading causes of car accidents after negligence.
It’s important to have a good Ajax car insurance policy in place to protect you in the event of a collision. HUB International can provide you with a customized auto insurance solution that’s a perfect fit for your needs. That way, you’ll be ready for any situation that may come up while you’re driving.
What To Know About Ajax Car Insurance
The first thing you should know about car insurance is that there are multiple coverage options. You need to make sure your insurance policy includes all of the coverage options you need and want so you have adequate protection. The main types of insurance are:
- Personal injury and liability
- Comprehensive coverage
- Collision coverage
- Uninsured or underinsured
Personal injury and liability insurance will cover damages to another driver or vehicle if you are at fault for a collision. Comprehensive Ajax car insurance coverage can take care of vehicle damage, such as vandalism or weather damage, that occurs when you aren’t in the vehicle.
Collision coverage covers some or all of the costs of repairing your own vehicle after a car accident. Finally, uninsured or underinsured coverage can help cover the costs of damages to yourself or your vehicle if the other person involved in the accident doesn’t have adequate insurance coverage.
What Could Happen if You Don’t Have Car Insurance
By law, drivers in Ajax must have insurance coverage. If you drive without it, you could face a fine of up to $25,000 for the first offense. Additionally, the Ministry of Transportation may suspend your driver’s license for up to 12 months.
For a second offense of driving without insurance, you could face fines of up to $50,000 in addition to a suspended license. Your vehicle may also be impounded for up to three months. You will be responsible for paying for your vehicle’s impoundment and storage costs.
Any penalties or fines you receive for driving without insurance may stay on your driving record for three years. If you don’t pay the penalties or fines, you could face up to six months in jail. In addition to the fines themselves, driving without Ajax car insurance can also lead to significant challenges when it comes to getting the insurance coverage you need.
Many insurance companies refuse to insure drivers with a record of driving without insurance. Those who do ensure such individuals often charge very costly rates in exchange for taking on the additional risk.