Lucky Insurance Brokers Ltd

03/27/2021

Steps to Follow After a Car Accident:

No one leaves their home expecting a car accident on their way. Sometimes, even experienced drivers can get into a car collision because of someone else’s negligence. It is usual to panic or feels scared after getting into a car accident. There is no amount of money that cater to your bodily injuries or the death of your loved ones. However, there are some important steps that you must take after getting into a car accident in Ontario, including filing a claim to your auto insurance company immediately.
Call the Police:
It is crucial to call the authorities right after getting into a car accident so that they can evaluate the situation and make a report. The report will later help you strengthen your case in front of your auto insurance company. In Ontario, it is mandatory to call the police after an accident especially when the cost of damages of all vehicles involved is costing $2,000 or more. Moreover, you are also required to call the authorities if any of the drivers or pedestrians are injured by the car collision.
Once the police have made a report, do not forget to note down the officer’s name, contact number, and report number. Take as many details as you can to make your claim stronger and get maximum compensation.
Take Pictures of the scene:
Another important thing to do right after you have gotten into a car accident is to take as many pictures as you can. These images and videos will be presented to your auto insurance company as important evidence. Usually, the authorities clear the scene to make way for other vehicles. Therefore, it is important to not skip this step. Make sure you have made videos and taken multiple pictures of the scene.
Go for a Medical Checkup:
The most common injuries after an auto accident include whiplash, head injury, and spinal cord injury. Therefore, it is important to check in with a doctor as soon as possible even if there are no visible injuries.
Contact your Auto Insurance Company:
To file a claim, it is important to report to your auto insurance company within 24 hours. You can take up to a week but any delay after that may result in the insurance company denying your claim. Here is the list of important information that you are required to provide to your insurance company:
- Vehicle information such as model, license plate number, and policy number
- Vehicle information of other vehicles involved
- Time, date, and location of the accident
- Names of the drivers involved along with their license numbers
- Images and videos as a record
- Police report and assigned officer’s badge number
- Medical report

If you are looking for a reliable auto insurance company in Ontario, wait no further and get in touch with Lucky Insurance. An unfortunate incident can occur at any time therefore, it is crucial to have insurance coverage that will keep you stress-free financially.
https://www.luckyinsurance.ca/steps-to-follow-after-a-car-accident/

03/27/2021

As much as buying a new home can be exciting, it can also make you feel overwhelmed because of the complex process. Buying a house does not just require sealing the deal and paying for it, it also means you have to look for security measures and home conditions. This includes home insurance, home inspection, location, neighborhood, security, and of course, your budget. If you are planning to buy a house, make sure to do your research. Here are some of the important tips that will help first-time homebuyers:
1) Do your Research:
The first thing that many people skip while buying a home is to do research. Yes, you can hire a real estate agent who will help you pick your options but it is crucial to do your research on your own as well.
2) Stick to your Budget:
Deciding a budget and sticking to it carry paramount importance. Your budget does not only include the costs of the new home but also the facilities that come with it. Make sure you have made a checklist with all the costs such as house inspection fee, home insurance package, and other costs. Sticking to your budget will keep you stress-free throughout the process.
3) Flexibility on Price:
You can always ask the seller regarding negotiation on the price of the house. Make sure you do not make any low-ball offers as that might offend the seller.
4) Do not skip Home Inspection:
Before sealing the deal, make sure to run a home inspection assessment. The seller may tell you the house is new but it is better to be safe rather than the regretting later. Usually, the buyer hires an inspector for standard inspection process. Do not forget to attend the inspection as you can ask questions about the roof, crawl spaces, and etc.
5) Bundle up your Home and Car Insurance:
Home insurance is a must while buying a house in Canada. It covers any damages, repair, and replacement costs if an unfortunate event occurs such as fire, theft, flood, theft, or subsidence. The best way to save up is to bundle up your home and car insurance.
If you are looking for affordable home insurance coverages in Ontario, get in touch with Lucky Insurance. Get a free estimate today!

https://www.luckyinsurance.ca/5-tips-for-first-time-home-buyers/

02/04/2021

We advise reviewing your policy at least once a year. However there are certain times when you need to contact your broker to update your Auto Insurance Policy as and when any such changes happen:

When your address has changed.
Any time you buy another vehicle.
When there’s an additional licensed driver in your household.
If you’ve changed how you use your vehicle (e.g., for business)
If you installed winter tires.
Others

You are always welcome to have your policy reviewed or updated with us. Call us for more details.

01/29/2021

What happens if I get into a car accident while using your personal car for business use?

It is important to disclose all the details to your broker. If you have gotten into a car accident and your vehicle is not covered for business use, you will face some serious consequences. One of the biggest consequences would be paying thousands of dollars out of your pocket for the damage. It will also put you at the risk of your personal auto insurance policy cancellation.
Contact Lucky Insurance Broker:
www.luckyinsurance.ca

If you are using your personal vehicle for business use, contact Lucky Insurance Broker for affordable auto coverages. We will assist to start your Uber or Lyft ride-sharing service while being protected with a reliable auto insurance policy. Go compare car insurance quote at Lucky Insurance Broker to know the quality packages at affordable rates in Ontario.

Lucky Insurance Brokers Ltd provide best auto insurance, personal insurance and commercial insurance coverages in Mississauga Ontario Toronto

01/29/2021

www.luckyinsurance.ca

How does commercial ride-sharing work under personal auto insurance?

Personal auto insurance allows you to drive to your work or anywhere else. If you are planning to use your vehicle for commercial use such as delivery or Uber driving, the personal auto insurance won’t cover that. In that case, you need to contact your car insurance broker for an upgrade.
Details to be provided to your Auto Insurance Broker
If your car is being used for both personal and commercial use, it is crucial to add a commercial auto insurance policy. While upgrading to commercial use, you need to share important details with your broker such as:
- Kilometers that you are driving per year
- Average distance that you are covering from home to office on a daily basis
- How much your car is being used for business purpose
In case, there is any change in your situation, your broker needs to know that as well.
Types of Business Usage that are not included in your Personal Auto Insurance Policy:
Do you already have a personal auto insurance policy but you are using your vehicle for commercial usage as well? In that case, it is important to add a commercial auto insurance policy. Here are the business usage types that are not covered under your personal auto insurance policy:
- Using your car for a ride-sharing purpose (such as Uber or Lyft)
- Transporting goods or delivering food to the customers
- Using your vehicle for emergency transportation such as tow truck
- Using your vehicle for renting business
If you are using your car for any of the purposes as mentioned above, your personal auto insurance policy won’t cover you.

Lucky Insurance Brokers Ltd provide best auto insurance, personal insurance and commercial insurance coverages in Mississauga Ontario Toronto

01/29/2021

www.luckyinsurance.ca

How to drive your Personal Vehicle for Commercial use while being protected?

Using personal vehicle for commercial use such as delivery or ride-sharing service can give you a good amount of income. If you already acquire a personal auto insurance policy, you can upgrade your coverage by adding ride-sharing coverage. This allows you to use your personal car for providing ride-sharing service by covering yourself and your passengers.
When it comes to choosing the right auto insurance policy, make sure to contact a trusted auto insurance broker. Lucky Insurance Broker provides affordable Lyft driver insurance / Uber driver insurance policies meeting all your requirements. Let us walk you through this helpful guide for business driving.

01/25/2021

House Insurance | Car Insurance | Business Insurance at Lucky Insurance Brokers Limited Mississauga

For more information
Call for free Quote
+1 833-325-8259
www.luckyinsurance.ca

01/23/2021

Safety Tips – an Advice from your Best Insurance Broker - Do not use your Mobile Phone while Driving,
https://luckyinsurance.ca
Your Best Auto Insurance premiums in Mississauga, Brampton, Toronto, and all over Ontario depend upon your driving record. Your best auto insurance broker advice you to comply with the laws related to use of mobile phone to avoid penalties and increased insurance. Here is the guidance from our experts:
Don’t use Mobile Phone:
It is illegal to use a phone or other hand-held wireless devices to text or dial. The only exception is to use phone to only call 911 in case of an emergency.
Conditions to use Mobile Phone while driving?
You are only allowed to use hands-free devices with an earpiece, lapel button or Bluetooth. You can view GPS display screens as long as they are built into your vehicle’s dashboard or securely mounted on the dashboard.
Smart Phone Technology:
Smart phone technology has become an essential in our daily lives, nowadays. Considering above mentioned law, there are many apps available on the internet that can help you reduce the risk of accidents and reach your destination safely while avoiding traffic.
Here we will be discussing few of the applications and what benefits they can provide to the drivers.
Apps that save you from distractions:
While you are travelling with your family and friends, it is a common practice to take the wrong exit and get nervous. Some drivers get confused and, in a hurry, to take the right turn increase the risk of accidents on highways. Therefore, to make your journey safe and comfortable, here are the few apps you can use:
● DriveSafe
This app can preclude the road accident risk by guiding you right in an efficient manner. It also reads your messages and emails aloud for you without having you touch your phone.
● Waze
Waze is an application that informs you about the current traffic situations, you can also alert others about the traffic. It offers voice navigation and automatic rerouting.
Apps for finding best parking area:
Many apps like BestParking or Each app offers some different features so it is important you look up apps to find the one that is most suitable for you. Variations come in features like accepting credit cards, finding a parking nearby, notification for expiry etc.
● ParkMe
Such apps on the internet are helping drivers around the world in finding the right, safe and easy parking. This app lets you reserve your parking space in advance too. You can also find cheap parking to save a few dollars through this app.
● Parking panda
Finding the parking place can be frustrating but the Parking Panda is here to help you find the nearest parking space, reserve and redeem it on your behalf.
Despite all those wonders of technology, accidents still happen due to various other reasons. That is where auto insurance plays a huge role in your lives. Feel free to contact your trustworthy auto insurance brokers if you are finding car insurance near me.

01/22/2021

Attention Owners: Standard Coverages for Condominium House Insurance

Lucky Insurance Brokers Limited Offers Standard coverage for your Condominium and House. These coverages are of great value and protection for:

The contents of your unit and house

Upgrades to your unit, such as new flooring, renovated kitchen or cabinetry

Accidental property damage to your building and surrounding units

Personal liability of at least $1 million

Any assessments set by your condominium board

Contact us for more details by visiting our website for live chat or call us at your convenience.

01/14/2021

Your Checklist is Here. Best 5 Saving Tips for your Home Insurance.

While shopping around insurance for your new or existing home, always check from your Insurance Broker if you are getting these discounts for:

Dual policy coverage: Insure your home and car with Lucky Insurance Brokers Limited.

Multiple Properties: You insure more than one property with us.

Alarm System: You have installed an approved alarm system for your home.

Claims Free: You have not had a home insurance claim.

Newer Home: Your home is less than 20 years old.

Contact us either through our website or just call us to ensure your discount for your Home Insurance.

Thanks,

12/31/2020

You may be eligible for a discount from Lucky Insurance Broker Ltd. (an independent insurance brokers), if:
• You have a clean driving record
• You have not had any minor convictions or tickets in the past 3 years
• You have more than 1 private passenger vehicle insured with us
• You are a new driver, you have maintained a clean driving record and you have recently upgraded your Driving license from G1 to class G2, or class G2 to class G license.
• You have a full-time university student as dependent who is a living at least 100 km from home and does not have regular access to a vehicle
• You have installed winter tires on your car
• You are retired
• Your primary job is farming and you live on your farm
• You’ve insured both your vehicle and your home with Lucky Insurance Brokers Ltd, your own auto insurance broker.
Call us for more details and to get a free quote.

12/30/2020

Attention: Drivers with Accidents, Insurance Claims History
Having poor driving or claims record?
Insurance Company refused to issue policy?
Quote showing unbelievable high rates?
Being stressed?

Lucky Insurance Brokers Ltd has the specialty in insuring rehabilitating drivers. we provide competitive insurance rates to drivers, who are trying to revive their driving record. We'll try to minimize your stress and keep rates as affordable as possible.
Want to know more about how we can help you? Contact us for details and a free Quote.