Free tools
Start here: the step-by-stepEvery step from the crash scene to your renewal, in order, with the right tool linked at each stage.Valuation review reportFree for a limited time — comparables, documented adjustments, records and a ready-to-send message.Total loss toolkitFind comparables, calculate mileage-adjusted fair value, and VIN-check the insurer's valuation report.The big FAQ — 29 answersEverything drivers google after an accident: police rules, deadlines, rentals, deductibles, injuries.Insuring a Honda CivicCost by city, by model year, and why it rates that way.Insuring a Toyota RAV4Cost by city, by model year, and why it rates that way.Insuring a Toyota CorollaCost by city, by model year, and why it rates that way.Insuring a Honda CR-VCost by city, by model year, and why it rates that way.Insuring a Ford F-150Cost by city, by model year, and why it rates that way.Buying a car? Check the insurance firstEstimate what a vehicle costs to insure before you commit, and compare body styles.Fault & premium calculatorDescribe your accident, see your fault percentage under the official rules, and estimate the increase.
Ticket & demerit lookupPoints, minor/major/serious classification, and the 3-year insurance impact of any Ontario ticket.
Claim or pay out of pocket?Run the 3-year math on claiming vs paying — including the $5,000 minor-accident rule.
Renewal checkerIs your increase normal market drift or personal? Two numbers tells you.
Deep-dive guides
Who pays for your rental?DCPD loss of use, the OPCF 20 endorsement, and the mistake that leaves you with the bill.Claim denied? Do thisThe grounds insurers use, the free escalation path, and the two-year clock.How long should it take?Realistic timelines, and exactly what to do when your file goes quiet.Reporting vs claimingDoes telling your insurer raise your rates if you never claim? The four things people confuse.Your AutoPlus reportWhat every insurer sees about you, how to get it free, and how to fix an error.12 questions for your adjusterThe questions that change how your claim is handled, and when to ask each one.Someone hit your parked carWho pays, the no-note playbook, and why your premium is safe.
Hit and run: victim's playbookThe 24-hour window, which coverage pays, and getting your deductible back.
Dispute a fault decisionThe rule number, the evidence that works, and the free escalation ladder.
Careless driving chargeWhy it's a different league — and why paying it fast is usually a mistake.
G2 driver accidentThe family policy, novice licence rules, and the six-year perspective.
Friend crashed your carInsurance follows the vehicle — what that really means for you.
Guides
Who's at fault? (It's not the police)How adjusters use Regulation 668's fixed scenarios — and why ice and weather don't count.
The $5,000 minor accident ruleThe provincial rule that stops small accidents from raising your rate — if you handle it right.
How long an accident follows you6 years for at-fault claims, 3 for convictions — and when the impact actually fades.
Accident forgiveness fine printWhat OPCF 39 actually protects, why it doesn't transfer, and when it runs out.
Not-at-fault accidentsWhy your rate shouldn't rise, what DCPD covers, and the OPCF 49 opt-out trap.
The July 2026 changesMost injury benefits are now optional — what's still automatic and what you must now choose.
New guides are added regularly. If there's an Ontario insurance question you can't find a straight answer to, it belongs here.