Archive for category: OTIP

You arrive home after a long day of work and check your mailbox. Inside, you find a ticket from a speed camera with a photo of your vehicle driving above the posted limit. Let’s address some commonly asked questions about speed camera tickets.

Read more at www.otip.com/article142.

When it comes to finding the right car for you, there are pros and cons to both new and used vehicles — but ultimately, your decision will likely come down to budget and your driving habits. So how do you choose the right vehicle for yourself? Consider these factors before deciding.

Read more at www.otip.com/article138.

There are many variables in your daily life that you may not be able to control but when the unexpected happens to you on the road or at home, know that the Curo claims team will have your back. For over 12 years, OTIP has partnered with CURO Claims Services and as a result, members like you have raved about their experience.
“The agent we were dealing with was extremely helpful and expedited our claim far quickly than expected!”
 
About the claims process and CURO Claims Services

• CURO Claims Services is dedicated to providing members with courteous, fair and professional property and casualty claims service.
• Experienced adjusters offer 24/7 weather and disaster response, claims counselling for members, and the resources you need during the claims process.
• Your advocate – With the member being top of mind, CURO can advocate for your situation and claim with increased authority levels
• Help at every step of the way – As a national adjusting firm with multiple licenses and designations, CURO Claims is able to help at every step of the way. Servicing in both English and French, CURO has a specific focus on working with the education community, with dedicated service available 24 hours helping you during a loss  

 
The steps of a claim:
 
 1. Submitting the claim – Connect with Curo 24/7 Emergency Claims Service for car and home insurance by phone, 1-866-952-2876 or report your non-emergency claim online. An adjuster will follow up with you within one business day to continue the claims process.

 2. Claim investigation begins. After the claim has been reported, it will need to be investigated by an adjuster to determine the amount of loss or damages covered by your insurance policy. The adjuster will also identify any liable parties, and you can help the process by providing any witness information or other parties’ contact information.

 3. Your policy is reviewed. Once the investigation is complete, the adjuster will go through your policy carefully to determine what is and isn’t covered under your policy and inform you of any applicable deductibles that may apply to your case.

 4. Damage evaluation is conducted. In order to accurately evaluate the extent of the damage, your insurance adjuster may hire appraisers, engineers, or contractors to lend their expert advice. Once the evaluation is complete, your adjuster will provide you with a list of preferred vendors to help with repairs. You’re not obligated to hire these vendors, but it can save you a good deal of time and research.

 5. Payment is arranged. After repairs have been completed and lost or damaged items have been replaced, your adjuster will contact you regarding settlement of your claim and payment. The amount of time it takes to receive payment will depend on the complexity and severity of your situation.
 
Looking for a quote on your car or home? Contact your OTIP insurance broker today at 1-888-892-4935 to get a quote.

Many people enjoy getting together with friends, family and colleagues for a backyard BBQ or holiday party. As options for public venues are limited due to COVID-19 restrictions, more Canadians may be turning to hosting smaller gatherings at their home that comply with their local COVID-19 guidelines for social distancing and gathering size. However, throwing a party at home brings liability risk to the host. If you are hosting a small gathering, it’s a good idea to review the risks involved and ensure you have the insurance coverage you need.

To learn more, visit www.otipinsurance.com/article77