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Auto Insurance


Your car comes with options, so should your insurance.

When it comes to your auto insurance policy, we know you’ve got some question.

How can I get the best value for my money? What coverage is mandatory? What additional coverage should I invest in?

At Pearson Dunn Insurance, we make it easy for you to understand your auto insurance options. We offer independent advice that will help you evaluate your insurance options, so we can design a custom fit policy that provides you with the coverage you need at a competitive price.  

Personal Automobile Insurance Considerations

Below are some basic guidelines to help you in making a decision about what kind of automobile protection you need.

Things to Consider

Auto insurance is regulated by the Provincial Government. There are mandatory coverages and limits that are required within the personal auto policy.

Our personal insurance advisors can easily guide you through your coverage options and design a personalized policy that fits your needs.

Additional Coverage Options:

  • OPCF44 Family Protection: This endorsement protects you and your passengers in the event of an accident with underinsured motorists who have lower limits of liability than you. You will receive payments according to your limit of liability
  • Increased liability coverage: Purchase an increase from the Provincial minimum to protect you in case of lawsuit.
  • Legal liability or damage to non-owned automobiles: Provides protection of liability and physical damage to a short-term rental car.
  • Comprehensive coverage: This optional coverage protects your vehicle against fire, theft, windshield breaks, stone chips, and malicious damage or vandalism done to your vehicle while parked.
  • Loss or damage protection: In the event that collision, fire or theft leaves you without a vehicle, this additional coverage allows you to rent a vehicle immediately.
  • Loss of Use: This protection pays for the use of a rental car while yours is being repaired or replaced after an insured loss.
  • Waiver of Depreciation: If you drive a new or high value car, this protection is especially valuable to you and helps you avoid payment of a depreciated value on your vehicle in the event of an insured loss.

How your premiums are calculated:

How much you pay for your auto insurance takes multiple factors into consideration. Your age, gender, licensing status and driving record to your annual mileage and the make and model of your vehicle. Actuarial modeling is based on statistics and the extensive study of industry data.

Automobile rates are regulated by the Financial Services Commision of Ontario. Once this government body approves the filed rates, insurance companies are able to make them available to the public.  The industry is not permitted to deviate from these rates until a new set of rates has been formally approved.

Since insurance providers compete for business, using an independent insurance broker such as Pearson Dunn Insurance offers you a variety of insurance markets, each with their own rate and coverage options.

We believe in providing our clients with advocacy, choice and independent advice. This is our “Personal Protection Promise” to you.