Car Insurance that Protects Yourself and Your Community
Just an hour west of Toronto and conveniently located just an hour from five border crossing locations into the United States, Hamilton is a city of many communities, diverse groups, and unlimited opportunities. Nearly two million people live within an hour radius of Hamilton, as the city is closely situated to the busiest airport in Canada, several ports of entry and several major business hubs. Out of all the ports in Canada’s Great Lakes, the Port of Hamilton is the busiest for both travel and the transportation of goods.
Many people live in Hamilton to take advantage of the opportunities it offers. It’s a city to start a business or raise a family in, placing just as much emphasis on innovation and research as it does on an affordable cost of living, cultural attractions, and community wellness. Hamilton maintains one of the lowest residential tax rates in the province, leaving plenty of room in residents' budgets for all the recreation, entertainment, dining, sporting, and educational options that are available.
You will find a range of sprawling farmland and urban centers around Hamilton, as well as several conservation areas, parks, libraries, museums and more. There is public transit available in the Hamilton area, with an enhanced bus service and a growing cycling infrastructure. Even with the focus on safe transportation around the city, motorists need to remember there are millions of drivers commuting all over the city and in the general area for vacation, work and so much more. With HUB’s Hamilton car insurance, you can help keep yourself and your fellow community members safe from serious legal liabilities.
Legal Protections Through Hamilton Car Insurance
When you own a car in Ontario, car insurance isn’t an option. There are several forms of coverage that are required but our HUB brokers know which extended coverages can best take care of your legal liabilities. The following coverage types are required by law:
- Liability insurance: This provides financial protection if someone is injured or killed or if any of their property is damaged in an accident that is your fault. The costs for settlements of legitimate claims will be paid out up to the limits of the policy.
- Uninsured automobile: This protects your personal finances if you are injured or killed by an uninsured motorist or if there is damage to your automobile in an accident with an identifiable uninsured motorist.
- Accident benefits: This financial coverage pays for the costs of injuries you sustain in an automobile accident.
- Direct compensation: In specific conditions, damage to your property or automobile may be covered when another driver is responsible for the accident.
Extended Coverage with Hamilton Car Insurance
In addition to carrying a policy that meets the requirements of the law, our expert brokers at HUB International can also address the other risks of owning a car. There are policies that can help with damages or loss sustained by theft, fire, collisions, or other unpredictable risks. We can also help you determine the appropriate limit amounts for your policy, though there are minimum requirements. Factors that can impact the limits needed include:
- Driving record
- Type of vehicle
- Safety features
- Primary drivers
- Frequency and purpose of vehicle use