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Auto Insurance

Auto Insurance Options in Arthur & Beyond


All provinces and territories in Canada require some form of auto insurance in order to hit the road legally. Many Canadians rush into an auto insurance plan without doing the proper research, and consequently may be paying higher premiums than necessary. At John F. Smith Insurance Brokers (1982) Inc., we can find you an affordable policy, regardless of your driving record or experience. Protect yourself and your vehicle from theft, collisions, personal injuries and property damage. We’ll ensure that you do business with a provider who offers fair rates and the coverage you need to stay safe.

Automobile Insurance

  • Cars

  • Trucks

  • Motorcycles

  • Vans

  • SUV

  • Antique and classic vehicles

  • Motor homes

Types of Coverage

If you own a vehicle in Ontario, you’re required by law to purchase coverage in case an accident occurs. At a minimum, you must carry third-party liability, accident benefits, direct compensation property damage and uninsured automobile. You have the option to increase limits and purchase additional accident benefit coverage to protect your lifestyle.

Third Party Liability

It protects you when someone is injured or killed, or property is damaged. It also pays defence costs to settle claims from any lawsuits against you, up to the set limit. In Ontario, you must carry at least $200,000 in liability.

Accident Benefits

If you’ve been injured in an accident, regardless of who caused it, accident benefits cover certain expenses not covered by OHIP like rehabilitation, caregiving, and loss of income. Please contact our insurance professionals for limits and details.

Direct Compensation Property Damage

If someone else is at fault for an accident, direct compensation covers damage to your vehicle, its contents and equipment (stereo, speakers) including loss of use.

Uninsured Automobile

It protects you and your family if you’re injured or killed by a hit-and-run driver or an uninsured motorist. It also covers damage to your vehicle cause by identified, uninsured drivers.

Ontario Government & Auto Insurance

To help stabilize rates, the Ontario government has implemented changes to auto insurance. Several measures are aimed at reducing fraud and abuse of the system, which increase premiums. As your lifestyle changes, so do your coverage needs. Regular review of your policy will ensure you have the coverage best-suited to your lifestyle. Auto insurance coverage can be confusing. A licenced insurance broker will explain important details, review costs of increasing coverage and help you make informed decisions. They shop the market to find the right coverage based on your lifestyle.

Connect with Your Local Insurance Brokers

Make an informed decision. Contact our brokers at John F. Smith Insurance Brokers (1982) Inc. today. We are eager to work with you.

For Your Home

Protect your biggest asset from natural disasters, break-ins, and other risks.

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Why Business Insurance?

There are risks to running a business. You may be liable for workplace injuries.

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