What is the NEW Medical and Rehab limit for a non-catastrophic injury?
$50,000
100
2003 Honda Civic EX - Insured for Liability, and Comprehensive. No Collision. Driver is 32 years old , is PII required?
YES - Honda Civic over 5 years old with physical damage
100
What is the maximum limit client can purchase on
OPCF 27?
$30,000 amount of insurance
100
Client wants to insure his 2009 Honda CBR 500, Can 43 be added to the policy?
Yes , if the motorbike is purchased NEW, and not be customized/modified.
100
What does "full coverage" mean?
Absolutely nothing.
200
What is the NEW Attendant Care limit for a non-catastrophic injury?
$3000 a month, to a maximum of $36,000
200
1996 Buick Park Ave. Liability, no Comprehensive/Collision. Driver is 24 years old, is PII required?
YES - Primary Operator under 25 years of age.
200
What is the deductible under All Perils for OPCF27?
$300
200
What are restrictions for 43 on a Motorcycle?
Any motorcycle $35,000 and over in value including accessories and taxes.
Any motorcycle listed on the Restricted Motorcycle List or Sports Bike List.
200
What is "third party" coverage?
Third party means coverage paid to a third party. In Ontario this would be liability coverage only.
300
What is the NEW income replacement limit?
70% of gross, $400 weekly
300
2008 Chevy Uplander - Cargo Van, do you require PII?
YES - Cargo Vans always require an inspection
300
GRAND TOURING ADVANTAGE (27S),what is Loss of Use limit per vehicle?
$1,500 any one loss.
300
Client purchased a 2010 Honda Civic 6 month ago form dealership. Can 43s be added to the policy?
No, the prior coverage of OPCF 43 or 43S is required. However 43 can be added.
300
What does "one-way" coverage mean?
Coverage for third party damage only. Does not exist in Ontario.
400
What is the definition of Catastrophic Injury?
Permanent serious disfigurement; or Permanent serious impairment of an important physical, mental or psychological function.
400
In what circumstances should a Vehicle Inspection letter be sent?
Any time a client is sent for an inspection.
400
Client is renting a vehicle in Puerto-Rico, do they have coverage for rental vehicle under 27s?
This endorsement is not offered in these U.S. districts.
400
Does a client's 2010 Aston Martin DB9, Valued at $180,070 , purchased new, qualify for 43s?
NO.The value of the vehicle is not exceeding $100,000 including accessories and taxes qualify
400
What are the requirements for vehicles imported from The United States of America?
1) Must be registered within 20 days
2) A copy of the registration is required
3) A copy of the Vehicle Import Form (Form 1) with an official stamp indicating the vehicle has passed the federal inspection.
* If the vehicle is 15 years or older, it is exempt from the import process