News & Blog: Personal Insurance

Covering the insurance-related issues and developments that matter to our personal and business clients.

Mar 3, 2020 What happens if your vehicle is damaged by a pothole?

Most drivers are familiar with the unique sense of dread that sets in immediately after hitting a really bad pothole. It might also come with a few choice words and thoughts like, “my poor alignment!” and “what if that ruined my tire?!” The good news is that most potholes aren’t large or deep enough to do instant damage to your vehicle. But if your vehicle is damaged because of a pothole, what should you do? And will your car insurance cover the damage? We’ve got the answers to your questions.   What should you do if your vehicle is damaged by a pothole? If you hit a major pothole and can tell that it has done damage to your vehicle, take photos of any visible damage and…

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Feb 26, 2020 Value Over Price

Price is always on our minds, and the first thing a prospect often wants to know is how much insurance is going to cost them. With technology now at our fingertips, this usually means people will open their computers (or take out their phones) and start doing their research online, looking for the cheapest options. But brokers know that doesn’t give the full picture. How do we encourage customers to look beyond the price tag to ensure they’re properly covered? Direct-to-consumer online sales are growing in parts of Canada, since many people like the immediacy of going online and getting a quote. In fact, in Canadian Underwriter’s 2019 National Broker Survey, brokers ranked the top two threats to the channel as growth of the direct-to-consumer…

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Feb 13, 2020 7 things to know about dealing with tow trucks

You have just had an accident and you are stuck on the side of the road.  Thankfully, no one was hurt and you just have to deal with the damage to your vehicle. It is rush hour, traffic is hurtling past you, and you are “that person” who is creating havoc for everyone commuting home. You just want to get out of there. The police have come to the scene and statements have been made. Now you have to move your car but it isn’t drivable. This is not your finest moment. Before having it towed, there are some towing rules you should know: If a tow truck driver just shows up, you can send them on their merry way. As per City of Ottawa Bylaw,…

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Feb 5, 2020 What to do if you are in a car accident – 6 pieces of critical information

I recently saw this tweet from Kim Gardner and despite her being an Anaheim Ducks fan, I decided to help ;-> Young or old, it is a good idea to prepare ahead for a car accident and hope you never need to use the knowledge you have gained. Quite often, such information is available to print out and keep in your glove box for when you need it, or in the case for our clients, it is also available in our Client Centre app which is available to download and always have with you in your phone. First and foremost, make sure everyone is safe. If it is a serious accident, or if anyone is…

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Dec 17, 2019 Canada’s Top 10 Stolen Vehicles in 2019

The Insurance Bureau of Canada (IBC) released its annual list of Canada's most frequently stolen vehicles, which is compiled using data from its members across the country. No surprise the Ford F-Series trucks topped the list again. These light- and medium-duty trucks are popular with auto thieves across Canada.

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Sep 17, 2019 Sump Pump 101

When it comes to preventing flooding in your home, sump pumps are among the most valuable tools at your disposal, especially during heavy rainfalls or snowmelt season. Learn how sump pumps work and how you can keep yours flowing smoothly all year long.

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Sep 6, 2019 How To Prevent Flood Damage in Your Home

When water ends up where it doesn’t belong, it can do a good deal of damage — but many homeowners don’t think about preventing water damage until it’s too late. Take these 10 steps to help prevent damage to your home before it happens: 1. Seal cracks in your foundation walls and basement floors. This is a simple way to help reduce the risk of basement water damage. In most cases, existing cracks can be sealed from the inside of your home without having to dig around your foundation. 2. Install window wells and covers. Window wells, or wells dug outside a below-grade window, are typically reinforced with galvanized steel or polyethylene shields that support the earth and block debris and moisture from reaching your basement windows.

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Sep 6, 2019 Can I Let Someone Else Drive My Car?

Whether your buddy needs to borrow your pick-up truck to move his couch or your daughter wants to drive your car to her college class twice a week, it’s not uncommon to want to lend your vehicle to another driver from time to time. But what happens if the person you lend your vehicle to gets into a collision? And how many times can you lend your vehicle to someone before they need to be added as an occasional driver on your car insurance policy? We’ve got answers to your questions. Will my insurance policy still cover damage to my car if someone else is driving? Generally speaking, your own insurance policy should cover damage to your vehicle even when someone else is driving it,…

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Sep 5, 2019 Digital Pink Slips Legal in Ontario

On September 5, 2019, The Ontario government announced that it is enabling drivers to carry electronic proof of auto insurance on their mobile device, including their smartphones, as part of the Putting Drivers First blueprint announced in 2019. “There is a lot of work to be done in Ontario related to car insurance,” says Rhodes & Williams Insurance Brokers C.O.O., Cory Young, “However I truly feel that digital pink slips is a simple fix to make life more efficient and convenient for today’s driver’s.” Rhodes & Williams Insurance Brokers clients can start using their digital pink slip immediately by downloading their app in the client center. Official announcement from the Ontario Government available here:…

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Jul 31, 2019 How to Choose the Right Tenant Insurance Limits

One of the most common myths about insurance is that renters don’t need it. Your landlord has insurance, so you’re covered, too…right? Unfortunately, this isn’t the case. When there’s damage to your building, your landlord’s insurance will probably cover the walls around you and any major appliances that came with your unit, but it won’t cover your own stuff. This is where tenant insurance comes in — and it’s important to make sure you have the right amount of coverage in place in case of an emergency. Your licensed insurance broker will know what questions to ask you to make sure your policy meets your needs, but you can also consider these tips when setting your limits. How much personal property coverage do renters need? Personal…

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