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Auto insurance solutions built around the way you actually drive.
At Collings Insurance Brokers, our personal auto insurance is thoughtfully tailored to your unique driving lifestyle-whether you’re navigating daily commutes, setting off on weekend escapes, or anywhere in between. From liability and medical expenses to physical damage coverage for your vehicle, we craft policies to give you confidence and peace of mind for every road you travel.
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How Personal Auto insurance can protect you.
Personal auto insurance helps cover medical expenses, lawsuits, and vehicle damage as a result of an accident or unexpected event.
As an independent brokerage, we work with multiple insurers to tailor coverage that fits your driving needs. Our team takes the time to explain your choices in plain language, so you know exactly what you’re protected against, and we stand by you through every step, from setting up your policy to navigating a claim.
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Coverage for what’s important to you
Personal Auto Insurance helps safeguard you from the financial impact of accidents and unforeseen events on the road, including coverage for:
- Third-party liability including bodily injury and property damage
- Physical damage coverage for not at fault claims
- Accident benefits
Optional coverages available includes physical damages for at-fault claims, comprehensive coverage, increased accident benefits options, and much more
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Collision covers physical damage to your vehicle in the event of a collision with an object or another vehicle while comprehensive covers all claims other than collision such as fire, theft or vandalism. These can be purchased as a pair or separately.
A mandatory coverage in Ontario, this protects you financially if you are found legally responsible for injuring someone or damaging their property in a collision, covering costs such as medical expenses, repairs, and legal fees.
Provides financial support if you’re injured in an auto accident or as a pedestrian, helping with medical treatment, rehabilitation, income replacement, and other recovery expenses—no matter who was at fault.
Frequently Asked Questions
Personal auto insurance typically covers damage to your vehicle, medical expenses after an accident, and liability if you cause injury or property damage to others. Additional options, like rental vehicle coverage, can also be added to suit your needs.
Premiums are based on several factors including your driving record, type of vehicle, location, age, and the level of coverage you choose. As your broker, we shop the market to find you the best value for your needs.
Coverage usually follows the vehicle, not the driver. This means if you lend your car, you lend your insurance as well and, in the event of an accident, it would be the responding policy. However, specific circumstances can vary, so it’s important to review your policy details with your broker.