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  • Ontario's auto insurance issues to take center stage - DGI Direct
    the special as IBC details how a minor fender bender wound up costing 129 000 because of a criminal fraud enterprise that stages collisions in order to collect on the insurance IBC says the program will explain what s presently being done to reduce auto insurance premiums and will also share some of the recommendations made by Ontario policyholders Lightning heavy rainfall results in damage totals north of 80 million While opinions may vary on the best approach to take on how to reduce coverage costs few dispute that insurance is something that can be relied upon when an accident or a disaster strikes The latest example of this was in late July as over a two day period a string of violent thunderstorms were felt all across Ontario These storms resulted in high winds heavy rainfall flash flooding and hailstones the size of golf balls All told insured losses totaled 80 million IBC reports based on a preliminary estimate issued by Property Claim Services The band of thunderstorms also caused mass power outages due to fallen trees and downed power lines Violent weather projected to occur more frequently Storms of this nature tend to be rare in Ontario but a recent report says they may become more common during the next 40 years For Ontario the report projected that between now and 2050 there would be warmer summers more heavy precipitation more flash flooding and warming conditions said Palumbo referring to a recent report called Telling the Weather Story Can Canada Manage the Storms Ahead This will lead to very large increases in the occurrence of wildfires from 50 percent 500 percent with the largest increases seen in Northern Ontario This may serve as a necessary reminder for auto insurance and home insurance policyholders to update their plans if

    Original URL path: http://dgidirect.ca/auto-insurance-articles/ontarios-auto-insurance-issues-to-take-center-stage/ (2016-05-01)
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  • Opinions vary on what to do when in left lane predicaments - DGI Direct
    the left lane Rachel Hesson Bolton manager of educational development with Young Drivers of Canada told the paper that this often makes the lead driver feel as though they have to speed up to appease the driver that s behind them If someone is tailgating me and I can t get out of their way without speeding they re breaking the law and they re trying to get me to break the law said Hesson Bolton However automotive expert Gregory Gomez del Prado says that maintaining the speed limit and ignoring the tailgating vehicle is not the best option to take Ideally he says motorists should speed up slightly so they can pass any vehicles that are to the right of them and then move to the right hand lane so the vehicle can pass This may be rewarding bad behavior but getting away from the vehicle entirely may be the best way to avoid an issue that could lead to an accident and an auto insurance claim But that s not what insurance expert Brian Smiley suggests Smiley told the paper that motorists whatever lane they re travelling in are entitled to go the speed limit People who cave in to peer pressure may be heightening their risk for getting into an accident with another vehicle or worse hitting a pedestrian If you re doing 15 km h over the limit you re increasing your stopping distance and it could mean the difference between running a child over and not running a child over said Smiley While opinions run the gamut on what to do the best plan of action to take may be what Hesson Bolton recommends She says that if she s being tailgated she will slow down modestly If they back off she ll then speed

    Original URL path: http://dgidirect.ca/car-tips/opinions-vary-on-what-to-do-when-in-left-lane-predicaments/ (2016-05-01)
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  • Headlight maintenance is crucial all year long - DGI Direct
    happen in the winter Law says that varies car supply stores sell polishers that clean headlights and make them resistant to grit and grime When to use fog lights Fog lights are another important aspect of headlights but Law indicates that a surprisingly few number of motorists know when they should be used Some think that they should be used whenever fog is in the area but in reality they re only needed when the fog is so thick that it prevents the headlights from being seen Motorists may be better off turning off their headlights and only using their fog lights in these conditions as the headlights can reflect back into their eyes due to the thick fog When not to use fog lights Some may think that using the fog lights at any time of day may make them easier to see as they serve as an additional light to oncoming cars In reality though fog lights can do just the opposite Law notes For example some will use fog lights at night when it s clear out However they can easily blind people who are approaching Instead Law says people should simply use their headlights as they would normally such as by turning on their high beams when no one is around and then switching them back to low beam function if a car is approaching How to check all the lights when alone As important as headlights are tail lights are just as crucial as they re the first indicator to a fellow motorist that someone is ahead of them turning or coming to a stop Law says that drivers don t have to have someone with them to see that they re working By simply turning on the full lights and walking around the vehicle

    Original URL path: http://dgidirect.ca/car-tips/headlight-maintenance-is-crucial-all-year-long/ (2016-05-01)
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  • On top of auto insurance, ensuring child safety in cars vital too - DGI Direct
    vehicle is in motion However the agency states the seat belt shouldn t be wrapped around children too firmly As Transport Canada notes one finger should be able to fit between the collarbone of the child strapped in and the seat belt Anything tighter or looser than that isn t advised Use car seats in relation to child s height weight Car seat developers create various types of seats that are ideal for different height and weight classes Therefore the government agency indicates parents should only strap their kids into seats that are tailor made for their size Putting children into seats that are too large or small for them creates a hazard according to the source and could lead to them getting hurt To avoid any potential for injury it s suggested parents purchase a child seat ideal for their child s weight and height After crash or expiration date change out seats Aside from switching out a child seat when kids grow Transport Canada notes parents should also change them when they ve expired or when a seat has been in a vehicle that s crashed Some parents may not know there are expiry dates for child seats Knowing this date though is vital for parents Keeping their child locked into a seat that s reached its expiry date is unsafe Additionally even if a seat in a car that experienced a crash doesn t appear to have been damaged from the incident it s best to not take any risks and just replace it the agency states Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877 699 9923 Categories Ajusto Auto Insurance Auto Insurance Articles Car Tips General Tips Home Insurance Articles Home Tips Insurance News Insurance Related

    Original URL path: http://dgidirect.ca/auto-insurance-articles/on-top-of-auto-insurance-ensuring-child-safety-in-cars-vital-too/ (2016-05-01)
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  • Looking to start a business? Consider the insurance implications first - DGI Direct
    Businessowners should check with their insurer to see what the insurer s position is as it relates to home insurance being applied to businesses Liability becomes more of a concern as a businessowner Something else that may be of concern for businessowners is liability specifically if their business is service oriented IBC says that even small things that one wouldn t expect to happen can result in financial losses if businessowners aren t protected such as someone slipping and falling The insurance organizations points out however that businessowners will need to obtain a specific type of liability coverage usually called commercial liability insurance as the liability portion of a home insurance plan will not provide for liability issues as they relate to a business Create risk management plan While liability coverage may help protect businessowners from sustaining significant financial loss should something happen to someone while on their property or if someone files a lawsuit if there is a problem with a product or service provided losses can be further minimized by creating a comprehensive risk management plan IBC advises These plans should identify all of the potential risks that could present themselves how they can be prevented and how they can be corrected if they still take place Consider errors and omissions coverage Even though most businesses involve specific services and products others relate to advising and providing professional advice financial or otherwise These are still services however and as such can be grounds for a lawsuit if the advice given leaves a bad result Because of this IBC says businessowners should consult with their insurer to see if they have a plan called errors and omissions insurance This is a specific type of professional liability coverage and is generally not covered through a standard home insurance plan IBC

    Original URL path: http://dgidirect.ca/insurance-related-articles/looking-to-start-a-business-consider-the-insurance-implications-first/ (2016-05-01)
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  • Severe weather & dangerous storms to come in 2050 | DGI Direct
    that the research is something for all Canadians to take seriously and should cause them to take preventive action We hope that this research will act as a catalyst for governments industry communities and individuals to recognize the weather risks we are facing and to enter discussions about how to reduce their effects on Canadians lives and communities said Robinson He added that home insurance providers have already witnessed the impact of rising global temperatures and their impact as in 2011 alone catastrophic events resulted in more than 1 7 billion in insurance claims Most of the losses resulted from environmental disasters but they also stemmed from more moderate weather incidents such as wind rain and snowstorms Not only did the report give a generic outlook for Canada at large but it also summarized how weather incidents may impact specific provinces and regions For instance in Ontario temperatures are expected to average 2 to 3 degrees higher than today Toronto may be particularly warm with more days anticipated to be in excess of 30 degrees Celsius Also by 2050 more frequent episodes of freezing rain are projected for Ontario as well as flash flooding and wildfires particularly in the northwestern part of the province As for Quebec McBean says residents should expect things to get noticeably warmer Forecasts indicate there could be three times as many hot days in the next 40 years compared to the 30 years spanning between 1961 and 1990 In Montreal in particular there could be 60 percent more hot days Drier conditions may also lead to increased forest fire frequency the Western Ontario researcher notes The entire report can be downloaded for free at IBC s website Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877

    Original URL path: http://dgidirect.ca/home-insurance-articles/severe-weather-dangerous-storms-to-come-in-2050/ (2016-05-01)
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  • Four common things motorists do, or don't do, that can lead to car trouble - DGI Direct
    notice of them and implement the proper corrective actions motorists are putting themselves and others at risk as the problem may ultimately lead to an accident on the road and perhaps even a group auto insurance claim AutoMD com says drivers should review their owner s manual so they can learn what each warning light means and then address each issue as soon as possible Not being clear about problem Unless people know their way around a car having vehicle problems fixed typically involves a handyman or carcare professional Naturally vehicle owners will attempt to explain what the nature of the problem is to their mechanic All too often however the explanations given are too vague or don t accurately portray what the actual issue is This will not only result in frustration for the mechanic but it could lead to excessive charges for the car owner as they may perform repairs that were unneeded To avoid confusion the automotive self help website says drivers should write down everything about the problem in question such as the type of sound they hear what they smell see or feel in the diagnosis process As detailed information as possible will help the mechanic determine what the issue is and what needs to be done to correct it Running on empty With gas prices high many motorists will put off filling up their tanks for as long as possible It s only until their gas gauge is on or past the E that they fill up However AutoMD com says that doing this on a regular basis puts unnecessary stress on the vehicle s engine Most of today s newer models have fuel injected engines that rely on gas to function properly For instance the electric pumps that these types of engines use

    Original URL path: http://dgidirect.ca/car-tips/four-common-things-motorists-do-or-dont-do-that-can-lead-to-car-trouble/ (2016-05-01)
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  • Driving safety tips with school season here - DGI Direct
    if they re playing Motorists are cautioned to expect the unexpected and to watch out to see if anyone is behind them if they re backing up or in front of them if they re pulling into a space Drop kids off in front of the school Parents may serve as their kids source of transportation to and from school Occasionally it may be more convenient to drop them off a block or two away from school to avoid traffic or if the ride takes parents out of their way during their commute to work Instead safety experts say it s far better to play it safe and to take kids all the way to school and drop them off on the side of the car closest to the school s sidewalk or entrance way Never pass a school bus when lights are flashing Something else parents and motorists should be aware of is the fact they are not allowed to pass a school bus if it has stopped and the red lights are flashing This has become somewhat of a problem in certain areas For example according to a major U S based auto insurance provider county officials in parts of California have implemented fees and surcharges that carries a cost of between 680 and 855 if drivers pass a school bus when its lights are flashing This significant out of pocket expense may be made even worse as this type of violation may impact the motorist s group auto insurance rate In short drivers are advised not to pass a school bus that s stopped whether children are boarding or exiting Follow the rules of the road Finally there are various rules of the road when in school zones such as yielding to pedestrians not making U turns

    Original URL path: http://dgidirect.ca/auto-insurance-articles/driving-safety-tips-with-school-season-here/ (2016-05-01)
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