Cornell Insurance
Recent Articles
Staff Jersey Day!
Staff Jersey day supporting the Humboldt Bronco’s during these...
Cornell’s Halloween Costume Contest 2017
In typical fashion some of the staff at Cornell...
Don’t be Nauti this boating season!
With summer holidays and long weekends boating season is...
Cornell’s Battle of the Axes.
The staff at Cornell took to the cages to...
Will my home insurance cover rainfall and floods?
TORONTO — The majority of Canadian homeowners aren’t insured...
Charity Classic Car Show – sponsored by Cornell Insurance – June 11, 2017
First Annual Classics in the Country Car Show –...
Tips For Getting Classics Roadworthy For Spring
For classic car owners in northern climes, the long...
New Legislation for Hydrovac Contractors
Notification to all Hydrovac Contractors considered Road-Building Machines. Effective...
Happy Halloween!
  Happy Halloween from the Cornell Insurance team!  ...
Can you Deal with the Real Costs of Tornado Damage
Those unlucky enough to be living in the direct...
Most Stolen Cars in Canada
Car and truck theft continue to be major sources...
Using Anti-Theft Devices Saves Money
Using Anti-Theft Devices Could Help you Save on Auto...
What’s Really Covered under Boat Insurance?
Another summer season is upon us and thousands of...
Car Maintenance: 13 Tips to Save Money
Don’t Shop around for a better price; Avoid Big...
How Much Life Insurance Do You Need?
It’s a topic a lot of people don’t like...
14 Factors that Determine your Home Insurance Premium
A great way to learn about home insurance and...
10 Ways to Save on Your Auto Insurance
For many smart consumers, saving money is almost an...
Most & Least Expensive Cars to Insure in 2014
You might be able to save several thousands of...
Top 12 Reasons To Use An Insurance Broker
Most consumers are unaware of the difference between an...
Motorcycles — Dangerously Vulnerable Vehicles
There isn’t a vehicle around that doesn’t reveal the...
Cheapest and Most Expensive Cars to Insure 2014
New Report Reveals How Much Car Insurance Rates Can...
ATVs, Fun, Good for You, but Still Dangerous
Every spring, summer and fall, tens of thousands of...
Ontario Demerit Points and How They Affect Your Insurance
How Many Demerits Can I Have? If it’s been...
Driving Under the Influence — Catch me if You Can
You Can be Impaired Many Different Ways Impaired driving...
Top 10 Reasons Drivers Speed
Stats show us that at least at third of...
Impaired Driving and Your Insurance
Drunk Driving and Insurance Rates Despite warnings from police,...
Dangerous Driving – When Drivers Lose It
Dangerous Driving in Ontario While most of us have...
Distracted Driving Penalty now up to $280
Is distracted driving the new “driving under the influence.”...
Managing Your Teenage Driver to Avoid Big Trouble
When teens begin the process of obtaining their driver’s...
Teenage Driving Statistics
Did you just type in “teenage driving statistics” or...
Online Quotes Vs Quote via Agent? Which is Better for You?
Internet technology has come a long way from 1995...
Cars of the Future – What will Change
Technology Will Bring Big Changes – But Will Driver’s...
6 Reasons Generation Y Needs Insurance
Generation Y has one more Big Risk: No Insurance...
10 Ways You Can Become a Better Driver
Need a reason to keep your insurance rates down,...
7 Things You Need to Know About Parking Lot Accidents
Who’s at Fault in a Parking Lot Accident? It’s...
What are the Most Common Driving Infraction Tickets?
How Many Demerits would you Receive for These Violations?...
Usage-based Auto Insurance – How do you Feel about it?
Mention the term usage-based auto insurance policies and you’re...
Liberals Aim to Fight Insurance Fraud
Liberal Government Introduces New Legislation to Combat Insurance Fraud...
Use the Right Child Car Seat and Don’t Get Charged
Car Accidents are a Leading Cause of Death for...
When it Comes to Auto Insurance, Detroit Doesn’t Rock
In its glory days, Motown was the place to...
Will a Red Light Ticket Raise your Insurance?
They’re out there. They’re waiting for you to make...
How Do Your Car Insurance Rates Compare to the US?
At Cornell, we’re always trying to find ways to lower...
Extreme Weather Costs Canadians $2 Billion per Year
Yes, that’s the staggering estimate of the cost of...
What is No Fault Insurance?
Here in Ontario, our government chose to switch to...
Consolidating Insurance Policies Can Save You Money
Couples Should Consolidate and Save Money Congratulations on your new...
What Should You Look for in Renter’s Insurance?
Finding the Best Policy Coverage for You It may...
Will Collision Detection Systems Reduce Insurance Rates?
New Vehicle Technology that Could Save your Life Car...
You Don’t Have Renter’s Insurance!
When Disaster Strikes, You’re in Trouble A rented home/condo/house...
Driving and Texting Costs & Penalties
Texting and Driving – The Penalties Will Increase On...
Top 10 Worst Driving Habits
With auto insurance rates climbing as high as they...
Driving Without Insurance
As if an auto accident isn’t perilous and stressful...
Life Insurance is Packed with Value for You and Your Family
Don’t Deny Yourself the Benefits of Life Insurance If...
Top 7 Car Safety Features You Need to Have
Why Your Car’s Safety Features Could Save You Money...
Winter’s Here, Does Your Vehicle Have it’s Winter Boots?
Winter Driving is Dangerous Every year, people slip and...
Tis the Season to be Careful – All Winter Long!
You might be like everyone — expected to plan...
Top 10 Most Expensive Cars to Insure
Most Expensive Cars to Insure If you’re looking to...
How Your Insurance Company Sets its Car Insurance Rates
Why are Insurance Rate Quotes so Different? If you’ve...
What is Renter’s Insurance?
Renter’s insurance or Tenant’s insurance is a policy that...
Top 10 Cheapest Cars to Insure
Some Cars Could Cost you Thousands more in Insurance...

January 28th, 2014
Driving Without Insurance

As if an auto accident isn’t perilous and stressful enough, Statistics Brain in the US is telling us that accidents caused by uninsured motorists make up about 14% of all collisions. In the southern US, it’s even worse, with an astounding one quarter of all accidents caused by the uninsured.

Does your current policy cover everything you need for years, if you were seriously injured by an uninsured motorist?

A Toronto Star report said that uninsured motorists cost Ontario car owners about $127 million each year. In 2002, it was believed that 2% of drivers on the road were uninsured and there are 2100 collisions involving uninsured drivers every year in this province.

It’s a Big Problem

There are those who will continue to drive after being told they’re uninsurable, or their insurance policy has expired, and for whatever reason, they are likely to get into a collision. One instance reported on a legal site, talked of one uninsured driver who was driving his girlfriend’s car. He was not covered under her policy. CAA Insurance apparently denied the claim on his girlfriend’s insurance policy.

In a precedent setting case, the Ontario court of appeals determined that “the statutory conditions in the auto policy do not apply to uninsured coverage, except as otherwise provided in the contract” and that there was nothing in the contract that extended the reach of the conditions to that coverage.”

When this type of incident happens, a claim has to be made on your insurance policy.  Let’s assume the uninsured driver stays at the scene, and it’s not a hit and run. You are covered for damages under your auto insurance policy. Uninsured driver coverage is mandatory in all policies sold in Ontario. You’ll still need to inquire with your broker about whether you’re covered for your trips into the United States however.

Ontario IVP Program

What is the government doing about this?  Back in 2010, the Ontario government launched the insurance validation program. MTO can match the VIN numbers of vehicles to a database of insured drivers provided by the Insurance Bureau of Canada.

Ontario’s Insurance Validation Program can help to prevent uninsured drivers from getting vehicle plates and stickers and perhaps discourage them from driving. IVP does not cover commercial vehicle, motorcycles, motorhomes, and corporate owned vehicles.

Police routinely operate Ride Checks throughout the province. Their goal is to find drunk drivers, however they can check for other violations too. They stop millions of drivers every year and lay thousands of charges.

Could You be Hit by an Uninsured Driver?

You just saw the stats, so the odds are high enough. The danger is when the damages are very high, let’s say over $200,000. Your own insurance may not cover it. You can purchase an additional type of insurance called the Family Protection Coverage. That might give you $1 Million in coverage.

What to do if You’re Hit

If you’ve been in a number of collisions, you’ve likely been asked or begged by the other driver not to call the police or report it to your insurance company. That would be unwise. If they’re uninsured, it’s highly likely they don’t have enough funds so the cheque they offer to write would bounce.

If you have been hit, stay calm, and survey the damage. Get a piece of paper and write down their license plate number and then ask for their license and registration. Don’t say anything about your intentions.  If the estimated damage is above $400, you’re obligated by law to call police right away. So you have no choice but to call them and as well, report the incident to your insurance company when you’re able to.

The latest car safety features are pretty amazing. Check out how technology is used in headlights and collision detection.  Buying a new car? Compare the top 10 most expensive cars to insure to the top 10 least expensive cars to insure.

Do you wonder how your auto insurance rates are determined? Learn more about how insurance rates are set.

Check out the top 10 worst driving habits. Maybe you can add your own?

Leave a Reply

Your email address will not be published. Required fields are marked *