In the world of insurance, expert advice means more than just finding a low price—it means ensuring you have the right comprehensive coverage for life’s risks. At Strong Roots, we aim to simplify the insurance process and offer clear explanations so you can make informed decisions.
What is Mandatory in Ontario?
To drive legally in Stratford and across the province, the law requires a baseline of protection:
- Third-Party Liability: Protects you if someone else is injured or their property is damaged in an accident where you are at fault.
- Statutory Accident Benefits*: Provides supplementary medical, rehabilitation, and attendant care benefits, regardless of who caused the accident.
- Uninsured Automobile Coverage: Protects you if you are involved in an accident with an unidentified or uninsured driver.
- Direct Compensation – Property Damage (DCPD): Covers damage to your vehicle when another insured driver is at fault.
Beyond the Basics: Optional Coverages for Peace of Mind
While the mandatory list is your legal requirement, protecting what matters most often requires going a step further. We frame these as proactive solutions for your future:
- Collision Coverage: Covers the cost of repairing or replacing your vehicle if it is damaged in a collision with another vehicle or object.
- Comprehensive Coverage: Vital for rural Ontario, this covers risks like fire, theft, vandalism, or—very commonly in Perth County—hitting a deer or other wildlife.
- Accident Forgiveness: A reliable solution that protects your driving record (and your rate) after your first at-fault accident.
A Solutions-Oriented Approach
Whether you are a contractor in Mitchell or a family in St. Marys, we act as your advocates. We break down these complex concepts without the jargon, helping you build a solid foundation for your insurance needs so you are ready for anything.
* Changes are coming to Statutory Accident Benefits on July 1st, 2026. Click here for more information.
