Ontario law requires every motorist to have basic car insurance with certain coverages, no matter what type of vehicle you drive. Mandatory coverages include:
Financial protection if a third party is harmed or property damaged; Morison recommends a minimum of $2M liability
Income replacement, attendant care, medical and rehabilitation costs; optional to increase
Covers your vehicle and contents when not at fault; claim with your own insurer
Protects against hit-and-run or uninsured driver; covers medical and repair costs
Additional coverages can be added to protect your Ford beyond the mandatory minimums:
Collision or Upset Coverage
Payment for loss when insured automobile collides with another object or tips over
Comprehensive Coverage
Pays for losses not covered by collision; includes specified perils, missiles, vandalism, falling and flying objects
All-Perils Coverage
Combines collision/upset and comprehensive, plus theft protection (household member or employee steals insured Ford)
Loss of Vehicle Coverage
Rental endorsement while insured vehicle is out of use due to physical damage claim
Liability for Damage to Non-Owned Vehicles
Coverage for liability arising from care, control, or custody of non-owned automobile (e.g., rental car)
Removing Depreciation Deduction Coverage
Waives depreciation for original owner or lessee within specified period (average 24 months, some up to 5 years)
Specialized coverage built around your collector vehicle's true value.
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What is Ford Car Insurance?
Ford insurance is an auto insurance policy designed to provide financial protection if you are involved in an accident or if your vehicle is otherwise damaged. You can file a claim and receive compensation for repair/replacement costs and liability costs such as legal fees and settlement expenses.
Who Should Have Ontario Ford Insurance?
All Ford owners need Ontario Ford insurance to comply with legal requirements. Even if it weren't mandatory, Ford insurance protects drivers from paying out of pocket for liability and property damage costs.
Are There Additional Coverages Available for Ford Insurance?
Aside from mandatory coverages, optional coverages are available: Physical Damage Protection, Comprehensive, Collision, All Perils, Loss of Use, Accident Forgiveness, and Vehicle Depreciation Waiver.
