Make sure you are aware of your rights as an auto insurance consumer.
Comsumers’ rights
- You have the right to purchase auto insurance coverage.
- You have the right to be treated fairly by your insurance company.
- You have the right to be given written reasons if you have been denied auto insurance.
- You have the right to keep your policy in place if you pay your premiums and meet the responsibilities.
- You have the right to pay your auto insurance premium in monthly instalments.
- You have the right to keep your policy in place if you pay your premium within 30 days following one or two non-sufficient fund (NSF) situations.
- You have the right to be informed in writing if your policy is not being renewed.
- You have the right to change or cancel your insurance policy at any time.
- You have the right to remain with your insurance company even if that company no longer sells insurance through your broker.
- You have the right to know from which companies your broker received quotes and the amounts.
- You have the right to prompt and fair handling of claims.
- You have the right to reasonable repair of your damaged vehicle.
- You have the right to choose a repair shop, tow operator or vehicle rental company.
- You have the right to receive information about accident benefits.
- You have the right to dispute your insurance company’s refusal to pay benefits.
- You have the right to choose your healthcare provider.
- You have the right to register a complaint about your insurance company.
Consumers’ responsibilities
- You must insure your vehicle and retain your proof of insurance (pink slip) while driving.
- You must pay your premium in a timely fashion.
- You must give true and accurate information to your insurer and complete all forms promptly.
- You must promptly let your insurer know about any change in circumstances that could affect your insurance situation, including if you are involved in any accident.
- You must provide your insurer with updated information when requested.
- If you are claiming accident benefits, you must send your insurer a completed accident-benefits package on time.
- If you are claiming accident benefits, you must attend medical examinations requested by your insurer that are reasonably necessary to evaluate your claim.
- If you receive accident benefits from your insurer, you must participate in treatment and rehabilitation and try to get back to work.