Car Insurance Hamilton
Car Insurance Hamilton – Billyard Insurance Group Looking for car insurance in Hamilton? Let Billyard Insurance Group be your first choice for quality car insurance that suits your needs and your budget. We are an independent Ontario Insurance Broker located in the Niagara Region, and we take great pride in being able to service clients from all over Ontario. Our team will do all the hard work for you and find you the lowest quotes possible with the best coverage. If you live in Niagara, Hamilton, Kitchener, London, Guelph, Oakville, St. Catharines, Welland, Windsor, and many other locations, we want to work with you! Click here to find out how you can save up to 30% on your car insurance with Billyard Insurance Group.
Why do I need car insurance in Hamilton?
To satisfy loan or lease requirements:
If you’re financing or leasing your vehicle, your lender may require you to purchase collision and comprehensive coverage. Since the lender or leasing agent is the lienholder of your vehicle while you’re making payments, these two coverages may help protect their investment. Comprehensive or collision coverage may help pay to repair or replace the vehicle if it’s damaged in a covered loss.
To help protect your finances:
If you cause a car accident, you may be held responsible for costs associated with it. These may include legal fees, the injured person’s medical expenses or their lost income compensation. Liability coverage may help pay for these costs. Without liability coverage (or adequate liability limits), you would likely have to pay these costs out of your own pocket.
To help protect your passengers:
Medical payments coverage and personal injury protection may help pay for your medical bills if you’re injured in an accident. And it also may help cover your passengers’ expenses due to the accident. Coverage may help pay for hospital visits, doctor bills and surgery.
It’s the law:
Ontario law requires that all motorists have auto insurance. Fines for vehicle owners, lessees, and drivers who do not carry valid auto insurance can range from $5,000 to $50,000. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded. If you are convicted of driving without valid auto insurance, your insurance company may consider you a “high-risk” driver and charge you higher premiums or refuse to sell you insurance altogether. If you are injured in an accident while driving or occupying an uninsured vehicle:
- you may not be entitled to receive income replacement and/or non-earner benefits; and
- you may not be allowed to sue the at-fault driver for compensation as a result of injuries received in the accident.
More importantly, if you are found to be at fault for an accident causing injury or death to another person, you may be held personally responsible for his/her medical costs and other losses.
For more information about car insurance in Hamilton, please feel free to continue browsing through our website at Billyard Insurance Group. We can be reached at 1-855-843-1570 or by our email found here.