Comparing Life And Mortgage Insurance

When an insurance company denies your motor vehicle accident claim or offers a settlement that seems inadequate, understanding your legal options becomes critical. Alberta drivers facing claim disputes need to know whether they must accept the insurer's decision, what evidence can strengthen their position, and when legal representation may help secure fair compensation for injuries and losses.

Premium credit cards often include rental car insurance, but many Canadians misunderstand what this coverage actually protects. While collision damage waivers may cover the rental vehicle itself, they typically exclude liability for injuries to others, personal belongings, and certain vehicle types. Understanding these limitations before declining the rental company's insurance can prevent costly surprises after an accident.

Ontario's 2026 auto insurance reforms converted most accident benefits from mandatory to optional coverage, creating significant gaps in protection for pedestrians, cyclists, and unlisted drivers. Understanding these changes and taking proactive steps before your policy renewal could mean the difference between comprehensive coverage and devastating financial exposure after an accident.

When purchasing property insurance, many property owners focus on the insured value of their building—but an equally important question is: How much would it actually cost to rebuild if it were destroyed? This is known as your Replacement Cost Value (RCV).

As wildfires become increasingly severe across Canada, understanding your insurance coverage and taking preventive measures can mean the difference between adequate compensation and devastating financial loss. Learn the critical steps to protect your property, avoid common claim pitfalls, and ensure your broker has properly covered you for full replacement costs.

An Alberta court examines whether property insurers must replace all exterior siding when hail damages only portions of a home, but sun-bleached existing materials create permanent, visible color mismatches that affect property value. The decision clarifies when partial repairs fail to meet policy requirements for restoration with property of like kind and quality.

Insurance policies are often viewed as some of the most difficult contracts to read. To many policyholders, they can feel dense, technical, and full of cross-references that seem to send the reader in circles.

Summer involves adventure and travel, and for many, that includes renting a car. What most people don’t realize is how big a role insurance coverage plays if a motor vehicle collision happens. Renters often drive without fully understanding their existing coverage or what additional coverage they may need.

On July 1, we once again celebrated Canada Day, a statutory holiday across the country that commemorates the unification in 1867 of the colonies of Nova Scotia, New Brunswick, and the Province of Canada into a single country called the Dominion of Canada.

The Ontario Superior Court has ruled that fees received by insurers for surety products written in Ontario are subject to the 3% premium tax under the Corporations Tax Act. This decision clarifies the tax treatment of surety bonds by interpreting ambiguous statutory language through reference to federal Income Tax Act provisions and legislative history. Insurers licensed to write surety business in Ontario should review their premium-tax reporting practices in light of this ruling.