Archive for December, 2007

With thousands of Ontario residents making yearly trips to Disney World and other attractions in Florida, it is important for you to know about the changes in Florida’s car insurance laws so that you can make arrangements to ensure you have adequate coverage on your own auto insurance policy. On October 1, 2007, several sections of Florida’s Motor Vehicle No-Fault Law were repealed. In essence what this means is that auto insurance is no longer mandatory in Florida effective on the above date. There will be more changes coming to Florida’s auto insurance laws in January 2008 and hopefully at that time, they will make some form of property damage and bodily injury liability insurance mandatory again. What does this mean for Ontario residents who visit Florida? If you have an accident with someone from Florida who does not have coverage, it could be very difficult to receive compensation for your damages or injuries unless you have the proper coverage on your own auto policy. Therefore, if you have already made plans to travel to Florida during the next few months, here is some vital information you need to have on hand. Check your own auto policy or call your broker before you go and make sure you have uninsured automobile coverage on your policy. This will provide physical damage coverage for injuries resulting from an accident involving an uninsured vehicle or an unidentified vehicle. In addition, Ontario residents should also ensure that have form OPCF44 (Family Protection Endorsement) with a sufficient limit on their policies. This form will provide you with coverage resulting from the other person not having enough insurance to cover your claim against them. Without mandatory car insurance in Florida, there is a much higher chance of being involved in an accident with someone who has not purchased Property Damage or Bodily Injury Liability Coverage. If that were to happen, it could certainly ruin your winter holiday vacation. Take the time to make sure you have the necessary insurance for your protection and that of your family. It’s a prudent course of action.

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Road safety and showing respect for others on the road can keep everyone safe throughout the year. Whether it’s other vehicles, cyclists, or pedestrians, there are bike rules which are mandated in Ontario by the Highway Traffic Act and for which you and your family should take note of and follow.

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As a pet owner, you may have had an unexpected emergency that required immediate medical attention for your pet. If so, you may have incurred expenses which you hadn’t planned for, nor find it difficult to comprehend. Cost of medical treatment for dogs and cats can be exorbitant. It is estimated that veterinary costs have increased over 70%. To this end, here are some case studies that will bring home the point that pet insurance is not only necessary, but a cost-effective necessity.

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You certainly want what is best for your pet, and in choosing pet medical insurance you should research pet insurance policies to determine what is covered and what isn’t. In this way, you can find the best comprehensive coverage available.

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Recent studies have shown that over half of all Canadian households have at least one pet; usually either a cat or a dog. However, in North America, less than 1% of all pets are insured. Thus, the question one has to ask is: Why aren’t our beloved pets benefiting from pet medical insurance?

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