Whether you are buying insurance or renewing your policy, FSRA’s role, as a regulator, is to ensure that insurance companies’ proposed rates are fair and not excessive. We require that agents and businesses that sell auto insurance be licensed and follow all relevant legislative guidelines. We protect your rights when purchasing automobile insurance and review your complaints if an insurer is not following the rules.

Auto insurance for consumers

 

Common questions

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I’ve never had an accident or traffic violation. Why is my rate going up?

Inflation, fraud and changes in driving behaviour are a few factors that can affect your insurance rate. Go to How market conditions affect rates.

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I’m looking at purchasing a new car. How much is the insurance?

Your rate is determined using a combination of factors, including your personal profile, type of vehicle, coverage amount, deductible and insurance company. Go to What determines your auto insurance rates.

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I just had an accident. What do I need to know or do?

Following an accident, you must file a report with your broker, agent or insurance company within seven days. Go to What to do after an accident to learn about what information you will need to provide.

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I want to insure my motorcycle. What do I do?

Motorcycle and snowmobile insurance is a specialty insurance product, and not all insurance companies offer it. Check with your broker, agent or insurance company. Go to Insurance for motorcycles, snowmobiles and other motorized vehicles.

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My insurance company said I was at fault for an accident, but I disagree. What do I do?

If you believe your insurance company made an error in settling your claim, ask the claims adjuster assigned to your case to investigate. Go to The claims process after an accident.

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I want to be a rideshare driver (Uber, Lyft, etc.). What kind of insurance do I need?

All ride-sharing drivers need specialty insurance coverage to protect themselves and their passengers while in service. Go to Ridesharing and carsharing auto insurance in Ontario to see the list of FSRA-approved auto insurance products.

Understanding auto insurance rates

Know the risks and market conditions that impact your insurance premiums, as well as the consumer relief that is available.

Purchasing your policy

It’s important to be an informed consumer to choose the auto insurance that is right for you.

Protect yourself

If you are renting a vehicle or have been in an accident, find out how to protect yourself. If you need more information on your particular situation, you will need to speak to your insurance agent, broker or company representative.

Enforcement and monitoring

We take our responsibilities to protect you from misconduct or non-compliance very seriously. View our most recent enforcement and monitoring information for this sector.

Engagement and consultation

We work with a Consumer Advisory Panel that provides a consumer perspective on proposed FSRA policy changes. View our engagement and consultation information.

Useful resources

Licence Appeal Tribunal (LAT)
The Automobile Accident Benefits Service (AABS) of LAT’s mandate is to resolve disputes about an insured person’s entitlement under the Statutory Accident Benefits Schedule as a result of an injury from motor vehicle accident.

Licence Appeal Tribunal (LAT) Decisions
View recent auto insurance decisions from the Licence Appeal Tribunal (LAT).

Registered insurance brokers of Ontario (RIBO)
RIBO regulates the licensing, professional competence, ethical conduct, and insurance related financial obligations of all independent general insurance brokers in the province.

Motor Vehicle Accident Claims Fund (MVAC)
Information on eligibility for compensation of injuries or property damage from the Motor Vehicle Accident Claims Fund.

Insurance Bureau of Canada (IBC)
IBC is a national industry association that represents Canada’s private home, auto and business insurers.

Facility Association
Facility Association is an unincorporated non-profit association of insurers.

Canadian Association of Direct Relationship Insurers (CADRI)
CADRI is a national industry association representing direct relationship insurers.