1 MOTOR VEHICLE ACCIDENT, 3 POSSIBLE CLAIMS

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WHAT IS A "PD" CLAIM? 

A Property Damage (PD) claim is for loss of or damages to your vehicle and its contents resulting from a covered cause (fire, theft, collision etc.) of loss or damages. This is a first-party claim or a third-party claim made through the first-party insurer. 

WHO CAN MAKE A "PD" CLAIM?

A PD claim can be made by the named insured, a person/entity entitled to any of the insurance money payable or a representative of the insured.

WHAT IS THE PROCESS OF A "PD" CLAIM? 

WHAT IF YOU DISAGREE WITH THE INSURER'S DETERMINATION? 

WHAT IS THE SIGNIFICANCE OF FAULT  FOR THE ACCIDENT IN A PD CLAIM? 

WHAT IS AN "AB" CLAIM? 

An Accident Benefits (AB) claim is for injury-related losses and expenses you suffer as a result of an automobile accident. This is a first-party claim made through the first-party insurer. 

WHO CAN MAKE AN "AB" CLAIM? 

Virtually any person who was injured as a result of an automobile accident that occurred in Ontario, Canada. 

WHAT IS THE PROCESS OF AN "AB" CLAIM?

WHAT LOSSES AND EXPENSES CAN BE CLAIMED UNDER AN "AB" CLAIM? 

WHAT IF YOU DISAGREE WITH THE INSURER'S DETERMINATION? 

WHAT IS THE SIGNIFICANCE OF FAULT FOR THE ACCIDENT IN AN AB CLAIM?

WHAT IS A "BI" CLAIM?

A Bodily Injury (BI) claim is for injury-related damages you suffer as a result of an automobile accident. This is a third-party claim that can be through the third-party insurer or the first-party insurer, subject to certain conditions.. 

WHO CAN MAKE A "BI" CLAIM?

Virtually any person who was injured as a result of an automobile accident that occurred in Ontario, Canada due to the fault of another person(s). 

WHAT DAMAGES CAN BE CLAIMED UNDER A "BI" CLAIM?

WHAT IS THE PROCESS OF A "BI" CLAIM?

WHAT IS THE SIGNIFICANCE OF FAULT FOR THE ACCIDENT IN AN AB CLAIM?