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How to React After an Accident

How to React After an Accident

You just got into a fender bender on your way to run a quick errand. What should you do now?

Stay calm and read on – to learn how to react to make sure that the process goes as smooth as possible.

Get The Facts

Sounds easy, but many people forget to do this after an accident for one reason or another. It is important to get the names, address, and phone numbers of everyone involved. Also gather a description of the car(s) and licence plate number(s), and make sure to get the insurance company and the vehicle identification number of everyone involved when you’re at the scene of the accident.

Auto Accident Reaction Tips

  • Get out of your vehicle and provide assistance to anyone who is injured.
  • Call the police or highway patrol immediately. They can then contact emergency personnel for you, if needed.
  • Take photographs of your damaged vehicle and the scene. Note the date and time that the images were taken.
  • Protect the accident scene by setting up flares, putting up cones or moving your vehicle off the road. Keep these items in your trunk at all times in the event of an accident.
  • Once the police arrive, give them as much information as you can about what occurred. Do not admit fault; simply give the facts.
  • Ask the investigating officer for a copy of the police report, as you may have to submit it with your insurance claim.
  • Note the licence plate number, make, model and year of each car involved. You should also note the name of the other driver’s insurance company and driver’s licence numbers.
  • Write down the name and contact information for all witnesses to the accident.
  • Note the name and badge numbers of the police and emergency personnel who assisted with your accident.
  • Write down as many details as you can remember about the accident, and then call Moller Insurance to report your claim.
  • Keep all records of correspondence that you have regarding your claim, including the date, name and title of the person that you talked to about the accident.
  • Keep a record of any expenses that you incurred as a result of the accident. Depending on your policy, you may be entitled to reimbursement for those expenses.

We do more than just help you to avoid claims and arrive at your destination safely. Contact us today to learn more about all of our insurance solutions for your auto, home and life!

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Car Rental: Decide Before You Drive

 The best time to make the decision about whether you will need extra rental car insurance is before you’re standing at the car rental counter. Read on to learn about car rental insurance considerations and what you need to know to make sure that you’re covered.
What the Rental Car Company Offers


It’s not uncommon for rental car brokerages to offer you the opportunity to purchase additional auto coverages, but do you need them?

  • Collision damage waiver (CDW), or loss damage waiver (LDW), relieves you of financial responsibility if your rental car is damaged or stolen. If you have comprehensive and collision on your own car, you most likely do not need to purchase CDW from the rental car brokerage.
  • Additionally, your credit card company may include some collision and theft protection if the rental car is paid for with your card. This includes coverage for “loss of use,” which refers to the amount of money a rental car company can stand to lose while a car is being repaired. If your credit card doesn’t offer coverage for loss of use, you may want to consider purchasing CDW from the rental brokerage.
  • Liability insurance provides excess liability coverage of up to $1 million for the time you rent a car. If you have adequate liability coverage on your car or an umbrella policy on your home/auto, you may consider forgoing this additional insurance. It is advised that consumers contact their credit card company and car insurance company prior to renting a car. If you are a frequent renter, consider having renters insurance added to your policy.
Auto policy options

 If you don’t have comprehensive and collision coverage on your own car, you will not be covered if your rental car is stolen or if it is damaged in an accident. If you plan to rent a vehicle frequently, your best bargain is to purchase a non-owner auto liability insurance policy from us.

A non-owned auto liability insurance policy covers you for damage that you may cause to someone else’s car and liability for injuries to its occupants, or to pedestrian, in the event of an accident. The policy will also provide medical payments coverage for you and your passengers, and under-insured and uninsured coverage. This pays for the cost of an accident involving a hit-and-run driver or a driver who has little or no insurance.

However, non-owned auto liability insurance does not provide collision coverage. Collision coverage pays for damage to the car you’re driving if you crash into another car or object, or the car rolls over.

If you drive an older vehicle, but plan to rent a luxury vehicle, it’s important to make sure that your policy will cover the complete cost of the replacement value of the vehicle you are renting.

In addition to a non-owned auto insurance policy, an umbrella liability policy is also an option to meet the underlying auto insurance policy requirements when renting a vehicle.

One more thing to note…if you are renting a vehicle that is not classified as passenger car (such as a moving truck, 15-passenger van, etc.), you must purchase a separate policy from the rental company to be covered in that vehicle.Abroad

Renting an auto outside Canada?  

In general, your Canadian auto insurance does not cover you abroad. However, your policy may apply when you drive to countries neighbouring Canada. Check with our brokerage to see if your policy covers you in the United States.

Car rental brokerages overseas usually provide auto insurance, but in some countries, the required coverage is minimal. When renting a car overseas, consider purchasing insurance coverage that is at least equivalent to that which you carry at home.

Also, if you are renting a car abroad, you may need an international driver’s licence.

Need advice on what to do or what your policy covers? Call Moller Insurance today at (905) 642-2745 and we will be happy to assist you!


Moller Insurance Ltd.logo

1-64 Sandiford Drive

Stouffville, ON L4A 7X5

Tel: (905) 642-2745



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Advice for DIY Renovations

  Helping You Build Security                                                    ca. 2001 --- Structure Wooden Frame Interior --- Image by © Royalty-Free/Corbis

When undertaking a remodeling project, people often forget to review their insurance needs, too. Whether your additional budget is large or small, you are adding both the value of your home and your exposure to risk. To ensure that your project goes smoothly and that you have the coverage you need, here’s what you need to know.

Advice for Do-It-Yourselfers

If decide to go it alone and manage a renovation yourself, you assume all the risks. A review of your homeowners coverage for liability and property is prudent, as you are assuming more risks and exposures than contemplated by homeowners insurance.

Hiring bona fide subcontractors who can provide you with a Certificate of Insurance or copies of their policies showing their general liability and worker’s compensation coverage is mandatory for your legal protection. Otherwise, if you are hiring subcontractors or paying friends to do the work, you could be subject to worker’s compensation laws, should they become injured while working on your home. If a friend or relative helps out as a favour (no money changes hands) and gets injured, your homeowners insurance typically covers the cost of their injuries, up to your policy limits. It’s important to note that a homeowners policy is not designed to provide primary liability protection for these injuries. If a helper is seriously injured, the domino effect can be financially and emotionally difficult for all who are involved. For an extra layer of protection, it’s a good idea to also carry umbrella liability coverage, which kicks in to provide liability coverage above your homeowners limits.

Top Ways to Save on Your Premium:                          DIY                           
  • Consider raising your deductible
  • Invest in a home security system
  • Update exterior locks to dead bolts
  • Install smoke alarms
  • Select an automatic payment method
  • Monitor your credit rating
  • Ask about our multi-policy discounts
Insuring the Real Value of Your Home

Experts estimate that one-fourth of remodeling projects add at least 25 per cent to the value of a home, yet often most homeowners forget to increase their coverage to protect their investment. Most homeowners insurance policies require 100 per cent of the home’s replacement cost, so it’s important to raise your home’s policy limit before your project begins.

Keep in mind that you don’t need to increase your coverage by the same amount as the cost of renovation. Often, a major cost factor in a home improvement project is labour for tearing out something old. Determining this new replacement can be somewhat complex, so contact us for assistance. We have the latest technology available to assist with this process.

Your insurance partner

Adding to your home is exciting, but poses financial risks. Contact Moller Insurance Ltd. at 905-642-2745 to learn more about all of our home, auto and life personal risk management solutions.



Moller Insurance Ltd. logo

64 Sandiford Dr Suite 1

Stouffville, ON   L4A 7X5


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Snowmobiles: Moller Has Your Coverage Options

          It’s Time to Hit the Powder!
                                                                            Man Riding a Snowmobile --- Image by © Royalty-Free/Corbis

Snowmobiles can present many hazards to drivers, passengers, other motorists and
property. Before the temperatures cool and you get eager to hop on your snowmobile,
learn more about how you can insure your vehicle and protect yourself and others.

Coverage Basics

A typical snowmobile insurance policy includes the following:

Bodily injury and property damage liability (BI/PD): Covers liability for an accident
involving injury to other people or property, up to your liability limits. If your limits are
100/300/100, no more than $100,000 would be paid per person for bodily injury, no
more than $300,000 would be paid per accident for bodily injury and no more than
$100,000 would be paid per accident for property damage. Consult Moller Insurance
Ltd. to learn more about what limits are right for you.

Comprehensive and collision coverage: Policy pays to replace or repair your
snowmobile if it is stolen or damaged, regardless of who is at fault. You select and pay
a deductible and then the insurance carrier pays the remainder. Collision coverage
applies if you hit a nonliving object or other vehicle. This coverage also pays for
damages caused by events other than collisions, such as fires, theft or vandalism.

Uninsured/underinsured motorist: If you get into an accident with someone who is
uninsured or underinsured and you were not the at-fault party, the policy will pay for
your medical treatment.

Roadside assistance: Policy covers the labour needed for repairs and towing to the
nearest repair facility if your snowmobile is disabled due to:
o Mechanical or electrical breakdown
o Dead battery
o Lockout/lost key
o Insufficient fuel, oil, water or other fluids
o Entrapment in snow, mud, water or sand

Accessory covered: Policy covers items that were not originally manufactured on the
vehicle, altering the appearance or performance of the snowmobile. This may include:
o Electronic equipment and antennas
o Trailers
o Custom paint, engine modifications and suspensions/springs
o Exhausts, racks, saddlebags, hitches, seats/backrests and windshields
o Plow blades or winches

Medical payments


What Adventures Are You Into?
  • Scouring the back country on rugged trails?
  • Nature watching?
  • Skimming fields and ice-covered lakes?

If you and your family love these types of activities,
then you are like many other adventure enthusiasts
who love riding a snowmobile. These vehicles are
great fun, but must be insured so you and your
snowmobile are protected.

Your Risks:

Snowmobiles are primarily used on off-road terrain,
over frozen bodies of water and alongside roads. As a
result, they generally operate at high speeds and are
prone to accidents and theft.
In addition, many snowmobiles are customized, so it is
difficult to establish their value after a loss. Contact
Moller Insurance Ltd. to learn more about your specific
risks and how to protect against them.


Snowmobiling can be dangerous, so don’t take chances with your insurance. Call Moller
Insurance Ltd. today at 905-642-2745 to learn more about all of our insurance solutions for all of
your recreational, home and auto needs.



Moller Insurance Ltd.

64 Sandiford Dr Suite 1

Stouffville, ON L4A 7X5


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Keeping Your Holidays Safe

Preventing Home Break-ins holidayhome

Home break-ins can be both traumatic and expensive. In addition to replacing stolen or damaged property, break-ins cost insurance companies millions of dollars in claims each year, which, in turn, increases your premiums.

By following these three simple tips, you can potentially avoid a stressful and costly burglary:

  1. Secure the Premises: Locking doors and windows at night before you leave your home is the first line of defence against a break-in. Experts recommend using deadbolt locks for added security.
  2. Use Alarm Systems: Using a 24-hour monitored system is statistically proven to lower your chance of a home break-in. As an added benefit, some systems also detect fire or carbon monoxide.
  3. Protect Your Valuables: Create an inventory of all of your valuables and keep them in a safety deposit box or other secure area.

Most burglaries occur during the day, so it’s important to make your home appear occupied at all times. Ask trusted neighbours, family and friends to keep an eye on your house while you are away.

How to Safely Host a Holiday Party

For many Canadians, the holidays are a time to celebrate. However, those throwing a party this season could be unknowingly exposing themselves to a number of risks—risks they may not have even considered.


  • Food Allergies: Shellfish, nuts and dairy are some of the most common food allergies, and these items are often found in popular holiday dishes. To ensure the safety of your guests, ask them to inform you of any allergies, and consider using labels to list ingredients.
  • Over-serving: Alcohol is a staple at most holiday parties. But, when a guest becomes inebriated and drives home, they could cause damage to property or injury to themselves and others. Be mindful of how much your guests are drinking and never let someone drive home if he or she has been over-served.
  • Decorations: Festive decorations like string lights and candles can create great ambiance for any holiday party, but they can also be dangerous. Never leave lights on or candles burning overnight, as this can cause fires. Ensure lights are in working order and that you aren’t overloading outlets.
  • Theft: You may not always know everyone at your party, so it’s important to take precautions when it comes to your valuables. Keep expensive items locked away and out of sight. Ask your insurer about coverage options for your valuables.

By keeping in mind the above tips, you’ll protect you and your guests from harm and ensure that your next holiday celebration is a success.


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Are You A Good Driver? Intact’s my Driving Program can Save You Up to 25%

IntactDiscountIntact Insurance launched a new UBI (Usage Based Insurance) program, my Driving Discount, in April. You may have heard about the program or have attended a training session in recent weeks. To help familiarize you with our new offering, this article gives you an overview of all things my Driving Discount.

In A Nutshell

The my Driving Discount is a program which offers customers the chance to save up to 25% off their car insurance premium based on their driving behaviour. This includes a 5% enrollment discount which they receive just for signing up.


The program is only available to customers through a broker and can be included on quotes through your vendor quoting system and through Savers Plus.
Once enrolled for the program, your customer will receive a small device in the mail. They simply plug this into their car and the device records their driving behaviour including braking, acceleration and time of day they drive.
The reported data is used to calculate a personalized discount of up to 25% off their car insurance premium. Upon completion of the initial assessment period (minimum of 180 days), the earned discount will be applied to their policy at their next renewal.
Customers can view their driving data and monitor their potential discount on a personalized website. Brokers also have access to view their customer’s data to help respond to questions or concerns.


Immediate savings: customers automatically receive a 5% enrolment discount!
Added control: customers are rewarded savings based on customer’s good driving habits.
Risk free: customers premium will not increase based on the data collected.
Access to information: a personalized website showing driving behaviour and discounts.
Simple: small, easy-to-install device.
For more information in the My Driving program, contact Moller Insurance and speak to a broker today. (905) 642-2745 or 1-800-603-4279


  1. Can my customer lose out by participating? No, the program is completely risk free and can only benefit the customer. Their premium will not increase based on the data collected and it will not be used to process or deny claims.
  2. How is the customer’s privacy protected? We are committed to protecting customer privacy, and have placed stringent protocols to ensure personal customer information is safeguarded properly. We will only use and disclose personal information in accordance with the program, unless otherwise required by law.
  3. Can customers really earn a discount of up to 25%? Yes. Customers can earn a discount of up to 25% off their premium at their next renewal. This discount has been filed with and approved by the Financial Services Commission of Ontario.


Reference: infoQUEST. 01 April 2015. Accessed 06 November 2015.



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Is Using Uber Worth the Risk?

uberRisk Insights: Rideshare Industry

Over the past few years, Uber, a popular ridesharing company, has expanded its operations into a handful of Canadian cities. While drivers and passengers cite ridesharing as a cheaper and more convenient alternative to traditional taxi services, the industry is not without risks.
Before signing up to become a rideshare driver or using the service as a passenger, it is important to understand how ridesharing works and the risks associated with the industry.
How Does Ridesharing Work?
Uber and other rideshare companies connect ride-seekers to drivers through a mobile app. After a match has been made, drivers pick up their passengers and transport them to their desired destinations. Fares vary by city, but typically consist of a base fare and fees per kilometres and minutes driven. Passengers have to enter credit card information into the app before rides can be requested. Their credit cards are then charged for the rides once they reach their destinations, and the rideshare company compensates the drivers. No cash is ever exchanged.
“According to experts, the majority of UberX drivers rely solely on their
personal auto coverage, which, in most cases, won’t protect them from
financial loss in the event of an accident.”
What Happens in the Event of an Accident?
In early 2015, a Toronto UberX driver got into an accident that totalled his vehicle and sent him and his passenger to the hospital. When the driver tried to file a claim, he was told that his insurance had been voided because he was transporting passengers for pay. Meanwhile, Uber’s contingent insurance policy did not apply—forcing him to absorb the cost of his injuries and the cost of damages to his vehicle.
This is just one example of what can happen if you get into an accident as a driver for Uber. Neither Uber’s policy nor your own personal policy can offer sufficient coverage, leaving you without access to accident benefits, collision coverage or third-party liability coverage. These risks are not only a concern for drivers, but for passengers as well.
How to Reduce Your Risk
For passengers, mitigating the risks associated with ridesharing is simple. Before a ride, passengers should ask the rideshare driver to provide proof of commercial insurance, as this is the only type of insurance in Canada that can sufficiently protect you in the event of an accident.
For those considering becoming an UberX driver—or a driver for any other rideshare company—there are a number of precautions you can take to limit your risk, including the following:
  • Obtain commercial coverage.     While this type of insurance is typically more expensive (with an estimated minimum annual premium of $5,000), it’s the only way to guarantee coverage in the event of an accident.
  • Disclose any pertinent information to your insurer.     By letting your insurer know of any changes in how you use your personal vehicle, you will avoid potential fines and gaps in coverage.
  • Wait to become an UberX driver.   Currently, there are limited coverage options for drivers. Until provinces have worked through how to regulate the service from an insurance standpoint, holding off on becoming a driver is the only way to completely mitigate the above risks.
For any questions or more information feel free to contact Moller Insurance at (905) 642-2745 and speak to one of our brokers.


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Ontario Requiring Winter Tires Discount in 2016

Winter tires that are in good condition can shorten braking distances by as much as 25%, said Ontario’s Ministry of FinanceOntario’s Ministry of Finance announced on Wednesday that the province is “moving forward with its plan to help lower auto insurance rates” by requiring all provincial insurance companies to provide a discount for drivers who buy and install winter tires, starting Jan. 1, 2016.


“Individual insurers will determine the amount of the discount they offer and what documentation, if any, they require from drivers to verify their use of winter tires,” the ministry said in a backgrounder, adding that about 45% of insurers already offer some form of a winter tire discount.

Drivers who are renewing their policy before Jan. 1, 2016 and who install tires should shop around for the best possible rates and the coverage that fits their needs, the backgrounder suggested. Drivers who install winter tires and whose policy renewal is after Jan. 1, 2016 should call their insurer to inquire about a possible mid-term discount on their auto insurance premiums.

Minister of Finance Charles Sousa made the announcement at a Canadian Tire in Toronto, where he participated in a demonstration showcasing the benefits of using winter tires to enhance safety in winter driving conditions.

Winter tires enhance safety and reduce the likelihood of collisions by improving traction, braking and handling in frost, snow, slush and under cold and icy conditions, the ministry said in a statement. Winter tires that are in good condition can shorten braking distances by as much as 25%, the ministry said.

When buying these tires, Ontario is also reminding drivers to:

• Look for tires marked with a logo of a peaked mountain with a snowflake;TirePic

• Install the tires in sets of four;

• Do not mix tires with different tread patterns or size;

• Change tires that are worn close to the tread-wear indicators; and

• Check the tires’ air pressure at least once a month

Over the last two years, the government has introduced a number of “important and necessary reforms” to Ontario’s auto insurance system to reduce costs and lower the premiums of the province’s more than 9.5 million drivers. In order to continue achieving rate reductions, the government outlined a series of further initiatives in the 2015 Budget, including bringing costs more in line with other provinces and providing Ontario consumers with more choice in purchasing auto insurance to suit their needs.

Starting June 1, 2016:

• The maximum interest rate that an insurer may charge for monthly auto insurance premium payments will be lowered to 1.3% from 3%;

• Premium increases for certain minor at-fault accidents will be prohibited; and

• Consumers will have the option to purchase enhanced optional accident benefits, should they desire additional coverage.

“Our government is committed to reducing insurance costs and lowering premiums after recently introducing important and necessary reforms to the auto insurance system,” Sousa said in the statement. “Auto insurance is dependent on individual drivers’ behaviour, and this winter season, drivers across Ontario will be able to save more on their auto insurance by installing winter tires.”


Ontario drivers with winter tires soon eligible for insurance discount.” Canadian Underwriter. Newcom Business Media, 14 October 2015. Accessed 04 November 2015.


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Hate shopping for insurance … we can help

Your Best Insurance is an Insurance BrokerWhen it comes to thinking about coverage, new research from TD Insurance is suggesting there are many unpleasant tasks Canadians would rather do in place of researching those options — a reality likely to benefit brokers.

A recent survey commissioned by TD Insurance found that 62 per cent of respondents would prefer to shovel snow, spend a Saturday doing laundry, go to the dentist, or even wait in an airport security line rather than think or talk about insurance coverage.


The national survey also explored Canadians’ ability to estimate risks and the likelihood of certain events.

The findings indicate that as a group, Canadians generally underestimate risks — a phenomenon brokers have long worked to overcome.

For example, the survey found that 81 per cent of participants underestimated the likelihood of a home break-in, which is about 1 in 200 according to Statistics Canada. Furthermore, two thirds (67 per cent) of those surveyed reported seeing themselves as more safety conscious than the rest of the population, even though statistically this can’t be the case.

“When the probability of risks are not well-known it can be difficult to seek out insurance coverage that offers the right protection,” said Craig Richardson, vice president at TD Insurance. “We encourage customers to talk to their insurance providers to better understand their coverage.”

The survey found that respondents were as likely to overestimate potential risks as they were to underestimate them. Asked to predict the chances of being injured, even slightly, in an auto accident in a typical year, 36 per cent underestimated the likelihood but 30 per cent overestimated. According to Transport Canada statistics the odds are approximately 1 in 130.

“Studies have shown that many people prefer to avoid thinking about negative situations, even if they believe those situations are likely to happen,” said Dr. Edwin Weinstein, a Psychologist and President of the Brondesbury Group who advised TD on its research for this initiative. “Shopping for insurance is one of those times in life where you’re forced to think about situations you would rather avoid. It’s not surprising that people would choose to shovel snow than consider the possibility that unpleasant things can happen.”

by Vernon Clement Jones | 06 May 2014

Posted in: Car Insurance, Home Insurance, Insurance

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Most Stolen Cars of 2013

2013 Most stolen vehiclesInsurance Bureau of Canada (IBC) released its annual list of the top 10 most frequently stolen vehicles in Canada and reported on new trends in organized auto theft.

According to Rick Dubin, Vice-President, Investigative Services, “Organized criminals are now dismantling higher-end vehicles and exporting them in pieces instead of as whole vehicles because they are less likely to be detected.” These vehicles get reassembled as far away as West Africa and then resold, he says.

Dubin believes this new creative approach is a reaction to detecting and seizing $8 million worth of stolen vehicles in 2013 by Canada Border Services Agency working in partnership with IBC investigators at the Ports of Montreal and Halifax. “It’s a trend we will continue to watch.”

On IBC’s top 10 list, the 2000 Honda Civic SiR 2DR sits at the top for the second year in a row and high-end SUVs and Ford trucks hold most other spots.

“Thieves consistently target the Honda Civic to chop for parts. Those parts are easy to resell because there are so many Civics on the road,” says Dubin.

The stolen Escalades and Ford series trucks on the list are now showing up less frequently at the ports for export, says Dubin. They are being re-identified (reVINed) and sold throughout Canada to unsuspecting consumers.

“Auto theft remains a big business for organized crime in Canada,” Dubin says.





5. 2006 FORD F350 SD 4WD PU



8. 2007 FORD F250 SD 4WD PU

9. 2007 FORD F350 SD 4WD PU

10. 2003 ACURA RSX TYPE S 2DR 2D

Find the full article from IBAO here

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