Ontario law requires that all motorists have automobile insurance.

Fines for vehicle owners, lessees, and drivers who do not carry valid automobile insurance can range from $5,000 to $50,000.

If you are found driving without valid automobile insurance, you can have your driver's licence suspended and your vehicle impounded.

If you are convicted of driving without valid automobile insurance, your insurance company may consider you a "high-risk" driver and charge you higher premiums or refuse to sell you insurance altogether.

If you are injured in an accident while driving or occupying an uninsured vehicle:

• You may not be entitled to receive income replacement and/or non-earner benefits.
• You may not be allowed to sue the at-fault driver for compensation as a result of injuries received in the accident.

More importantly, if you are found to be at fault for an accident causing injury or death to another person, you may be held personally responsible for his or her medical costs and other losses.

We Are Your Insurance Professionals!

There are five things you need to think about when buying your insurance. All are important:

Licensed: Remember, insurance can only be sold by a licensed broker, agent, or insurance company in Ontario. At Larry Grummett Insurance, all of our Brokers are licenced by the Registered Insurance Brokers of Ontario.

Rates: Many companies sell insurance policies, and rates vary greatly from one to another, so it pays to shop around. At LGI, we do the shopping for you. We represent over a dozen companies offering auto insurance in Ontario and we work hard to find you the best possible price.

Coverage: While basic automobile insurance policies are standardized to some extent, it’s still important to compare policies in terms of coverage, as the particular amounts and range of coverage (for example, deductibles, limits, and optional coverages) may differ from company to company. Your goal should be to buy the right amount of coverage to adequately protect you at a price you can afford. At LGI our goal is to ensure you reach yours!

Service: When making your insurance purchasing decision, remember, it is not always wise to buy the cheapest insurance policy you can find if it falls short in the event of a claim. At LGI, our brokers are highly trained professionals who take the time to explain your options and assist you in making the right choice ... for you!

Comfort: When you buy insurance, you should feel comfortable with your purchase. Our brokers take the time to answer your questions in easy to understand terms. At Larry Grummett Insurance, we are easy to reach anytime you have a question or need to file a claim.

What To Expect When Requesting A Quote

In order to quote you a premium, or sell you an automobile insurance policy, your broker will require some basic information about:

• you,
• your vehicle,
• your driving record,
• your current broker, agent, or insurance company, and
• any other drivers.

You must be accurate and honest, and update your insurance representative if your circumstances change. Non-disclosure or misrepresentation on your part of any of these facts could cause your rates to go up. Furthermore, it could render your policy null and void, and leave you without protection in the event of a claim.