Insurance question? help urgently needed?
I don'-t need people to scrutinize me for making mistakes I just need honest help. I'-m a 17 year old girl in Hamilton Ontario Canada who was registered with co operators insurance. I got into two accidents with my g2 within a month of each other. Because of my mistakes my insurance refuses to renew me. My dad has tried to call allstate and our bank td Canada trust for help but to no avail. My insurance runs out in January and I really need it renewed. The letter from my old insurance company said their may be alternative options how do I go about this ans who would insure me ? Thanks a lot.
Don't know about Canada, but in the US each state has what's called a "High Risk Pool" that provides insurance through various insurance companies. The rates are extreamly high. Maybe something like that exists in Canada?
Every auto insurer in Ontario has rules about who they can insure and who they can't, and most standard insurers (aka the insurers with good rates) will not insure someone with two at-fault accidents in the last five years. So forget about Co-Operators as they will not take you back no matter who calls on your behalf. Forget about TD Insurance and Allstate as well as they won't give you the time of day either. There are four non-standard (insurers who will insure high-risk drivers under CERTAIN circumstances) insurers in Ontario. They are: Coachman Insurance, Jevco Insurance, Perth Insurance and Pafco Insurance. You can Google them to find their websites. From their sites you can locate a broker near you who represents those companies and ask them for a quote (these companies only work through brokers, they do not sell directly to the public so don't bother calling them). Keep in mind you are going to be paying WAY more than what you were paying with Co-Operators. The insurer of last resort in Ontario is the Facility Association, who insures those who no one else will insure, however their rates are pretty terrible.Source(s):Ontario broker
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