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.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.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 $2,000 minor-accident rule.
Renewal checkerIs your increase normal market drift or personal? Two numbers tells you.
Deep-dive guides
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 $2,000 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.