Lino DiPaola - Billyard Insurance Group - St. Catharines

03/31/2023

Honoured to be a contributor/team member to these 2 amazing achievements; congrats 👍👏🙏

04/22/2022

https://www.facebook.com/billyardinsurance/videos/518756176578529/?fs=e&s=cl

02/15/2022

02/15/2022

Planning to sell your home? Listing your house for sale can be an emotionally overwhelming and stressful process, But don't worry, this video will walk you t...

01/06/2022

We hope you never have to experience an accident, but if you do, we are here to help you! One of the questions we hear a lot is, “What happens if my car is a write-off?” Generally, if the damage to your vehicle exceeds its current market value, your car may be deemed a write-off, meaning it’s not worth being repaired.

Your insurance adjuster takes many facts into consideration when determining the amount you will receive in a settlement to purchase a comparable used vehicle. The “Actual Cash Value” is calculated based on the make, model and trim level, total mileage, age, overall condition and average retail selling price of your vehicle.

If you were at-fault? If you have collision coverage, your insurer will pay the current market value to replace the vehicle, minus your deductible.

Not-at-fault? You are covered under your policy’s direct compensation property damage coverage (DCPD). You will NOT have to pay a deductible and you will receive the settlement from your insurer for current market value of the car.

Your insurance company will take possession of the written-off vehicle, you will likely have to sign some paperwork and hand over the keys. After you receive the money from the settlement, you will be responsible for purchasing a replacement vehicle at your discretion.

If you have more questions about the process, BIG’s brokers and our claims department are here for you every step of the way.

10/01/2021

We don't like talking about the worst possible scenario, but it's important to understand that your car insurance is there for you if it happens. If death re...

09/24/2021

09/17/2021

After a serious injury resulting from a car accident, your road to recovery might take longer than expected. If you are not able to return to work during rehabilitation, Income Replacement Benefit help to compensate for your loss of income thereby reducing financial stress.

Watch our latest video or visit our blog that explains Income Replacement coverage.

https://youtu.be/ke8zDnZYInU

After a serious injury resulting from a car accident, your road to recovery might take longer than expected. If you are not able to return to work during reh...

08/22/2021

If you are ever in a car accident, the last thing you want to be concerned is someone taking advantage of you when it comes to the services you receive. You’re already in shock and the experience can be traumatic. Unfortunately, there are those they prey on vulnerable people who have been in accident, charging extra fees for towing, storage, or outrageous repair costs. Don’t be the next victim – learn how to detect a scam and avoid it. Share these tips with your friends and family too!

1. Call Your Insurance Company ASAP. After you’ve assessed your health and safety and called emergency services, call your insurance company. They will be able to recommend preferred tow operators and body shops to provide the highest standards of repair. Our claims line is available 24/7 at 1-866-670-0905.

2. Check if the tow truck company is reputable. Confirm the company name and the tow license number displayed on the truck. Make sure the Permission to Tow form is completed filled out and ask for a copy to verify the location. You should know exactly where they’re taking your vehicle.

3. Find a Collision Reporting Centre. You can leave your vehicle at a collision reporting centre where it can be appraised by an insurance company representative. Alternatively, you can have it towed to a body shop or it can be left at a police impound lot.

4. Trust Your Instincts – if something doesn’t feel right, take a deep breath and feel free to change your mind or slow down the process. It’s a stressful situation, but if you stay calm you can maintain control of the situation and not let someone take advantage of you.

Accidents happen and your safety is our number one concern. If you give us a call to report a claim, we will help you through the process and advocate on your behalf to get the best service you deserve.

08/21/2021

Why Choose Billyard Insurance Group?

• Our Reputation - we’re proud to have several awards including the Top Insurance Brokerage award by Insurance Business Canada! We continue to provide exceptional service and, as your broker, I will work hard for you. Check out our positive Google reviews!
• We Work for You – as an insurance brokerage, we do not work for a specific insurance company, meaning we can give you an unbiased opinion of which coverage is best for you.
• We Shop Price – we understand this is an important factor, we have some of the biggest insurance carriers in the country and can compare prices on your behalf. We often get prices that you cannot access directly from insurers and use additional carriers that only work with brokers.
• Convenience is Key – we are fully online, so you don’t have to come in to sign your paperwork – it’s all done electronically. If you prefer to meet in person, or talk on the phone, we can accommodate whatever is best for you!
• Expertise – all our brokers are fully licensed and have the expertise to compare different coverage and explain any premiums, terms, conditions or any fine print that you may not understand.
• Claims Handling – we hope you never need to make a claim, but if you do, we will ensure they are handled fairly.

All of this sounds like an expensive service, right? It's not! There is no extra cost to you for all the services that a broker provides. Each broker is paid a commission through the insurance company that is selected for your insurance. This is never added to your insurance premium!

08/21/2021

We are very excited to welcome Lino DiPaola to the BIG St. Catharines! Joining our team as a Customer Service Representative / Broker, a 'superstar' when it comes to customer service, Lino strives to provide the best service & proper coverage to our clients. Lino specializes in Auto, Home & Business insurance.

Welcome to the team Lino DiPaola !

Contact him today:
[email protected]
289-606-0724
thebig.ca/lino