Take a look at the moving and home insurance frequently asked questions inside so that you can look forward to making memories in your new home, confident that you have the coverage you need.
Read more at www.otip.com/article140.
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.
Both leasing and buying have their benefits and drawbacks, so the right choice all depends on your budget, driving needs and lifestyle. We’ve outlined some of the key factors to consider when deciding between leasing versus buying your next vehicle to help you determine which option is best for you.
Read more at www.otip.com/article135.
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
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.
From decreasing your commute to putting your car in storage for the season, there are plenty of reasons why you might not be driving your vehicle as often as you used to. But don’t let it sit collecting dust — follow these steps to maintain your car and keep it ready to hit the road!
Learn more at https://otipinsurance.com/article128.
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
Simply put, the impact of fraud on the car insurance industry is staggering. It’s easy to dismiss insurance fraud as something that will never impact you, but in reality, it ends up costing insurers $1.6 billion each year. These costs ultimately are paid for by the insurance company and the policyholders – many of which are completely innocent.1 Can you believe that on average, $236 of your annual car insurance premium goes towards paying for the illegal activities of fraudsters?1 Being informed and learning how to recognize fraud is one way to help reduce these costs.
Learn more at https://www.otipinsurance.com/article122.
OTIP has your back with insurance coverage, helpful tips and exclusive offers, designed just for you!
You may be most familiar with OTIP (Ontario Teachers Insurance Plan), as the provider of your group health and dental benefits. Did you know that we also offer personal insurance coverage? As members of the Ontario education community, you are eligible for exclusive rates on home and auto insurance. Plus, we offer the added convenience of an in-house claims services. If you are retiring soon, OTIP offers three retiree health, dental and travel insurance plans to choose from.
As members of the Ontario education community, you also have access to exclusive contests, promotions and special offers, including Edvantage–your exclusive savings program. Get access to discounts on household brands, travel, financial services and more!
Read on to learn more about what OTIP has to offer you.
Learn more at https://www.otipinsurance.com/article123.
Taking more of your shopping online? You’re not alone. E-commerce sales in Canada hit an all-time high in 2020 as many Canadians turned to online shopping and home delivery services during the pandemic. While home delivery offers a safe and convenient way to receive your goods, it’s important to think about the associated risks and what you can do to prevent them.
Learn more at www.otipinsurance.com/article115.
In some Canadian provinces – including Ontario, Alberta, Nova Scotia and Newfoundland and Labrador – drivers can now display an electronic pink slip on their smartphone when asked for proof of insurance. This provides a more convenient option over paper pink slips, which can be easy to lose and difficult to replace. However, many drivers are wondering what their rights and responsibilities are when handing over their phone to a police officer – and how they can protect their privacy while obeying the law.
Learn more at www.otipinsurance.com/article110.
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