Your base policy consists of the mandatory coverage that's required by your province. Depending on the province you live in, your car may be covered for physical damage, if you were determined not at fault for the accident. For example, if you were to get into a not at fault accident in Ontario, your Direct Compensation Property Damage coverage that's part of your base policy will cover the damage to your car. If, however, you are at fault for an accident and caused damage to your own vehicle, you'd have to have enhanced coverage added to your base policy for your car's damage to be covered. Depending on how the damage occurred, there are separate coverage options that you'll need in order to be covered which we'll discuss in the questions below.
If you don't have Collision or All Perils coverage on your policy, your insurance wouldn't provide coverage for vehicle repair. Instead, you'd likely have to pay for the damages yourself out of pocket.
If you find yourself in a non-collision related incident, the coverage options above will typically cover the repair costs for most types of physical damage to your vehicle.
From body damage like scratches or dents to mechanical damage like radiator damage or engine damage, your car insurance policy should be able to cover repairs if the damage was a result of an accident or sudden loss. For example, if your car gets scratched by a passing car in a parking lot, or if a hailstorm caused dents in your car, repairs will be covered if you have the right coverage options mentioned above. If you've been in an accident, you can start a claim through the TD Insurance app. From there, you can visit any TD Insurance Auto Centre, or one of our preferred shops, where you'll be guided through the claims process and have a Certified Repair Technician take care of your car. After your car's been repaired by a TD Insurance Auto Centre, you'll have a lifetime repair warranty on the part(s) that have been serviced for as long as you own/lease the car and stay insured with us. If, however, your car is experiencing damage due to wear and tear or for any unknown reason, you'd have to look at your vehicle's warranty to see if it's covered for those types of repairs.
If you're looking to add enhanced coverage options to your car insurance, you can review and manage your policy via MyInsurance. However, if you're new to TD Insurance and ready to get started with us, you can get a quote in minutes to see what a customized car insurance policy will look like for you.