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Driving During a Licence Suspension in Ontario: Legal Penalties, Licence Reinstatement, and Auto Insurance Consequences
When driving during a licence suspension, a police officer may issue a vehicle impoundment notice and have the vehicle towed immediately; this risk may involve a rented, leased,…
Canadian Commercial Importers: How to Prepare CARM RPP Financial Security and Customs Bonds
Release Prior to Payment (RPP) is an optional sub-program of the CBSA Importer Program that allows eligible importers to obtain release of goods before final accounting; partici…
Ontario Auto Insurance: Why Premiums Can Rise Without a Claim and How to Respond
In Ontario, your renewal premium can change even if no claim has been filed. Not having a claim does not, by itself, determine the renewal premium. When calculating the premium,…
Ontario Owner-Occupied Home Converted to Rental: Insurance Notification and Coverage Adjustments
Before converting your owner-occupied home to a rental or making any other change to your occupancy arrangements, you should notify your insurance representative and keep a writ…
BC Auto Insurance: How to Verify Coverage for Roadside Plus and Extended Third-Party Liability
ICBC lists Roadside Plus as one of the optional insurance packages, and the package includes emergency road expense reimbursement.
BC Minor-At-Fault Accidents: When You Can Repay a Claim After Reporting and the Risks of Self-Funding Repairs
After a claim has been reported, the ICBC claims page can display the degree of fault determination, the deductible, and the coverage information for the date of the accident.
Ontario Condo Water Damage Response and Claims Guide
Condo unit insurance differs from whole-building home insurance; the condo corporation's policy typically covers the building's exterior structure and common areas. When a water…
BC Small Business Commercial Insurance: Business Type, Location, Leasehold Improvements, and Property, Liability and Business Interruption Coverage
Insurers consider a variety of factors when assessing small business premiums. The insurer considers the type of business operated when assessing small business premiums. In add…
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