Dec 14, 2021 Top Vehicles stolen in Canada – 2021

Equite Association has published its annual list of the most frequently stolen automobiles in Canada, which is generated using data from its members across the country. After attaining the fifth position last year, Ford F series trucks reached the top position again in 2021. Why are vehicles stolen? One of the major reasons thieves steal a vehicle, as explained by Interpol is “For organized criminal groups, the acquisition, shipment, and trade of stolen vehicles is a low-risk way to make profits. Stolen vehicles are frequently trafficked to finance and carry out other criminal activities, ranging from drug trafficking, arms dealing, people smuggling and international terrorism.” Apart from using the vehicle for committing a crime, vehicles are also stolen to…

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Apr 23, 2021 Insurance Advice for Parents of Young Drivers

Having a young driver in the household can be both a blessing and a curse. You are happy your child is finding their independence and getting themselves to hockey practice but at the same time, watching them drive off in your car (yes you are now stuck at home with no car) can be some cause for anxiety. I am just going through this now and thought I would send out a few tips regarding young drivers and the world of insurance. Tips from an account manager with a 16 year old son  Seems like just yesterday they got their G1 and now they are pulling out of your driveway with their G2 in hand. They now have up to 5 years before…

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Mar 4, 2021 7 tips for safer night driving

It’s no secret that driving at night can be more dangerous than driving during the day. When you’re fighting poor visibility, sleepiness, and distracted drivers, it can be a challenge to avoid all of the risks around you. While you’d likely rather stay off the road completely, there’s often no way to avoid driving in the dark. Whether you’re a new driver or a seasoned veteran, you can use these practical tips to drive safely long after the sun goes down: Be extra defensive. The number one rule we’re taught in driving school is to always be defensive — you need to stay alert, follow all road rules and signs, and be ready to respond to other drivers who may do something unexpected. At night, you…

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Jul 21, 2020 Who is at fault for a collision in a parking lot?

Even though the basic rules of the road still apply when you’re driving in a parking lot, it may be a little more difficult to figure out who is at fault for an accident. Being considered “at fault” for a collision could play a role in determining whether or not you have to pay your deductible when you make a claim, and it could also affect your car insurance premium. While fault determination rules vary by province, here are some examples of common accidents that occur in parking lots and how fault may be determined in each scenario. Who is at fault if your car is hit while it’s parked? If your vehicle is hit while it’s legally parked and you’re able to…

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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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Feb 13, 2019 Why Are My Insurance Rates Going Up?

5 Reasons why…and what you can do about it If you have been asking yourself, “Why are my rates going up?” lately, you’re not alone.  The home insurance and car insurance industry is going through very turbulent times. Canadian insurance companies are looking long and hard to improve results of recent years and the byproduct, at least in the short term, is increased rates for clients.  The reality is that insurance rates have not kept up with claims trends and insurers are not able to continue renewing risks at a loss. Without changes to the cost of providing insurance to clients, the only solution is rate movement on both car and home policies. But what’s the cause?  Let’s focus in on the 5 Reasons why…

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Sep 14, 2018 Insurance Fraud 101: How to Steer Clear of Staged Car Accidents

Picture this: You’re waiting to pull out of a parking lot, but traffic isn’t letting up. Finally, someone slows down and waves you through, so you look both ways and pull in front of him, waving a quick thank-you. And then, WHAM! The same driver who let you in speeds up and slams into you. When you get out of your car to ask him what happened, he says he didn’t expect you to drive into him…but not to worry, it’s no big deal — this has happened to him before and he knows just what to do. This is just one of several common “accidents” staged by (seemingly innocent) fraudsters hoping to score some quick cash, and they aren’t afraid to drag honest people like you into their…

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Aug 28, 2018 10 Best Back-to-School Cars for Students

With the new school year approaching, many students and parents are considering the transportation needs of getting to class, home and various other activities. To help students and parents narrow down their choices, U.S.-based Kelley Blue Book has announced their picks for the 2018 Top 10 Back-to-School Cars. How They Were Chosen Each pick was chosen with safety, affordability (a plus for parents) and practicality in mind. Kelley Blue Book believes this list has something both parents and students will like. “It’s not always easy to get parents and students to agree, but this list of new cars can serve as common ground. When choosing these best back-to-school cars, we started by gathering a list of vehicles with a Kelley Blue Book Fair…

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Jun 5, 2018 Sinkhole, in Ottawa? How would Insurance Work?

Remember that every situation is unique so you should talk to your insurance broker for more information. Let’s use a hypothetical situation and say a sinkhole appeared in the middle of the highway, out of nowhere ─  and a driver drives straight into it. Although the ultimate decision about claims rests with the particular insurance company, in this type of situation, we would expect the claim would be handled under the loss or damage section of the policy as a collision. If the person in question did not have collision insurance at the time of the accident, they would be financially responsible for the loss of the vehicle. They would also have to pay for their own rental vehicle (if required), giving themselves…

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Mar 27, 2018 Spring Driving Tips

It’s that time again ─ Spring is finally here! But is your automobile ready for the warm weather? Your Spring Auto To Do List: 1. Windshield Wipers: Check them for wear and cracks, and replace them if necessary. Remove your winter wipers if applicable and install your summer blades. 2. Windshield Washer Fluid: Always remember to keep extra windshield washer fluid in your vehicle. Spring brings dirt, dust and insects that can obscure your vision. 3. Clean the Interior: It’s easy to use your car or truck as a storage area for all kinds of things (including useless junk and garbage), especially in the cold months when you don’t feel like cleaning your car. Take time to declutter your car; losing the extra weight can significantly increase…

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