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Uninsured Motorist Coverage (UMC) /Underinsured Motorist Coverage (UIM)This covers you if you are in an accident with a ...
05/06/2021

Uninsured Motorist Coverage (UMC) /Underinsured Motorist Coverage (UIM)
This covers you if you are in an accident with a driver who does not have any liability insurance, or is underinsured.

The insurance company must offer you this coverage. If you choose not to buy it, you must sign a form, called a waiver. The form says you were offered the coverage and turned it down.

Uninsured motorist bodily injury (UMBI): This pays for injuries to you and any person in your car when there is an accident with an uninsured driver who is at fault. The limits are the same as your liability coverage limits.
Underinsured motorist (UIM):This covers limited costs for bodily injury if you are in an accident with a driver who does not have enough insurance to pay for damage
Uninsured motorist property damage (UMPD): This pays for the damage to your car from an accident with an uninsured driver who is at fault. The limit is $3,500. This only pays if the uninsured driver is identified. You may not need it if you have collision coverage.

Liability Coverage and California LawLiability coverage helps pay for injuries or damage to others when you are responsi...
05/06/2021

Liability Coverage and California Law
Liability coverage helps pay for injuries or damage to others when you are responsible. If you own and drive a vehicle, you must follow the financial responsibility laws in the state Vehicle Code. The most common way to do this is to buy auto liability coverage.

Liability coverage does not pay for injuries to you or the people in your family. You can buy medical payments coverage for you and your family.

Know Your PolicyIt is important to be familiar with your auto policy before you need it. Read it carefully. The Declarat...
05/06/2021

Know Your Policy

It is important to be familiar with your auto policy before you need it. Read it carefully. The Declarations page is a useful summary of your policy.

Call your agent, broker, or insurance company if you do not understand something in your policy.
Tell your agent, broker, or insurance company if you sell or buy a car or have new drivers in your household.
Read your policy before you allow others to drive your car. Some drivers might be excluded from your policy. This means that the policy will not cover accidents when they are driving.

Other Perils To ConsiderBoth comprehensive and collision only cover specific incidents, so be sure to go over your polic...
05/06/2021

Other Perils To Consider

Both comprehensive and collision only cover specific incidents, so be sure to go over your policy carefully with your insurance provider. Ask about perils specific to Montreal, such as flooding, to see what it would take to include these areas of coverage.

Comprehensive CoverageThe final layer of coverage to complete your auto insurance in Montreal is comprehensive coverage....
05/06/2021

Comprehensive Coverage

The final layer of coverage to complete your auto insurance in Montreal is comprehensive coverage. This covers most incidents not covered by collision, which is typically perils which damage your vehicle while not in operation. Here are common perils that can damage your parked car:

Vandalism
Theft
Falling objects
Fire
Natural disasters
Collision coverage doesn’t protect your vehicle in these instances since it isn’t running. Just like collision, ask your agent about comprehensive options for your vehicle to see if it’s worth investing in.

Collision CoverageThese legally mandated coverage areas don’t cover every incident, so many drivers consider adding coll...
05/06/2021

Collision Coverage

These legally mandated coverage areas don’t cover every incident, so many drivers consider adding collision coverage. Collision covers virtually any damage to your vehicle while it’s running. Here are a few common perils that are commonly covered by collision insurance:

Animal or stationary object collision
Collision with another vehicle
Natural disasters while driving
Collision coverage affects your premium, so talk with your insurance agent about the pros and cons of this coverage option for your vehicle. The additional premium is an excellent deal for newer vehicles, but may not be as necessary for older vehicles.

The Right Auto Coverage for Your LifestyleEnjoy affordable coverage for your vehicle in Montreal. Whether you’re commuti...
05/06/2021

The Right Auto Coverage for Your Lifestyle

Enjoy affordable coverage for your vehicle in Montreal. Whether you’re commuting within the city limits or traveling through Quebec, learn more about your options for auto insurance in Montreal with HUB International. Explore coverage options to find out how you can tailor your insurance to match your vehicle and driving habits while still carrying coverage mandated by the law.

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