Auto Coverage – Allen Insurance Group

Auto Coverage – Allen Insurance Group

Third Party Liability

Bodily Injury & Property Damage:

This coverage provides coverage up to the policy limits for bodily injury or property damage, due to your actions that the law holds you or other insured persons responsible for when involved in an automobile incident.

Uninsured Automobile:

Provides coverage for your vehicle when you are not at fault in the accident and the third party does now have auto insurance or the third party is unknown.

Direct Compensation Property Damage:

This section of your policy covers damage to the automobile , their equipment, contents and loss of use of the automobile when the accident takes plane in Ontario with at lest one other automobile that is insured under a motor vehicle liability policy. It is called direct compensation because you will collect from your insurer even though you may not be entirely at fault for the accident.

Physical Damage Coverages:

Comprehensive

The insurer will pay for losses other than those covered by Collision or Upset including fire, theft or attempted theft, lightening, windstorm, hail or rising water; earthquake, explosion, riot or civil disturbance, falling or forced landing of aircraft or parts of aircraft or the stranding sinking burning, derailment or collision of any kind of transport in, or upon which a described automobile is being carried on land or water. Also included is falling or flying objects, missiles and vandalism.

Collision

Your insurer will pay for losses caused when a described automobile is involved in a collision with another object or tips over. Object includes:

  • another automobile that is attached to the automobile,
  • the surface of the ground, and
  • any object in or on the ground.

All Perils

This option combines the coverages of Collision or Upset and Comprehensive. This coverage also includes loss or damage caused if a person who lives in your household steals a described automobile. Coverage also applies if an employee who drives or uses, services or repairs a described automobile, steals it.

OPCFs

OPCF 44 – Family Protection Coverage

Protects you and eligible members of your family up to the third party liability limit on your policy for compensatory damages if you are injured by an at fault third party who is uninsured, unidentified or carries less insurance than yourself.

OPCF 20 Coverage for Transportation Replacement

It provides coverage for you when you need to pay for other means of transportation because of loss or damage to your automobile caused by a peril for which you are insured. It

Accident Benefits Coverages:

Ontario Auto Reform – Accident Benefits Coverage is changing effective July 1st, 2026.