Question & Answer

Auto and Plate

Question:

If I have a vehicle that is unlicensed on my property and it’s vandalized or damaged is it covered?

If an unlicensed vehicle is stolen, vandalized or damaged, there is no coverage provide by your home, condo or tenant insurance.

The good news is that you can have one of our Affinity Insurance offices put a policy on a licensed vehicle to have the benefits of a lower deductible, and the policy will provide coverage while your vehicle is seasonally unlicensed and in storage.


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Question:

My license plate coverage gives me $200,000 in liability coverage. Is this enough?

When you have an accident and are found responsible, any amounts in excess of the $200,000 not covered by the insurance company will be your responsibility.

Affinity Insurance recommends that you purchase an extension policy that will provide you $2-$5 million of coverage. Liability is inexpensive to purchase and can be increased when you’re travelling to the US or out of province.

For a free auto extension quote contact www.affinityis.ca.


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Question:

If I have an accident and am found responsible, am I responsible for the vehicle rental cost for other parties-to-the-accident while their vehicle is being repaired?

Your liability insurance would cover the cost of a rental vehicle for a justifiable time-frame.  As every claim is different, it is always best to check with your Affinity Insurance broker to confirm your coverage and liability limits are adequate. Typically this is a cost that is covered by your license plate insurance.


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Question:

How does an accident that I caused effect my driver’s licence and vehicle registration?

SGI has a Safe Driver Recognition (SDR) Program that is designed to reward safe drivers. A driver receives one positive point/year when they are incident-free and demerit points for incidents of unsafe driving.

There are 3 zones on the safety scale:
 ·         the neutral zone of 0 (where all new drivers start the program)
 ·         the safety zone where you receive positive points for safe driving behaviour and discounts on your plate insurance
 ·         the penalty zone when your demerit points take you below zero.  Here, you lose your discount and pay a $50 penalty/negative point.

Demerit points are assigned based on the cost of the damage and the percentage of fault assessed to the driver.

Find out what your SDR is by calling any one of our Affinity Insurance offices.  Our staff can discuss how an at-fault accident will affect your movement on the safety scale.


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Question:

If I collide with another auto and am deemed to be at-fault, do I need to pay the other persons deductible?

Typically the only time you pay a deductible is when you are repairing your own vehicle. Your license plate coverage pays the other persons deductible and most other damages. The circumstances for damaging other property or personal injury is different than damaging another insured automobile.

Under your standard plate insurance you have a $200,000 limit on liability coverage. Affinity Insurance brokers always recommend purchasing additional auto insurance.

If you are an uninsured motorist, meaning the vehicle is not registered, you may be held responsible for the deductible, repairs to the vehicle and any personal injury that is claimed by the innocent party.


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