Car insurance is a “black box.” It’s a mandatory, expensive product that none of us really understand, governed by rules we can’t see. So, what do we do? We fill in the gaps with “common knowledge”—tips we hear from our parents, our friends, or that “car guy” at work. “Red cars cost more,” “You’re covered…
It’s the single most confusing, misleading, and poorly named concept in the entire Canadian auto industry: “no-fault” insurance. You hear it constantly, especially if you live in provinces like Ontario, B.C., or Quebec. The name itself suggests a magical system where, after a crash, everyone just shrugs, says “no problem,” and goes on their way….
It’s that moment your heart sinks into your stomach: you see the flashing red and blue lights in your rearview mirror. You’ve been caught. The immediate pain is the officer writing you a fine that will cost you hundreds of dollars. But the *real* fear—the one that lasts much longer—is the second-wave attack: your insurance…
Welcome to Canada. You’ve just landed, and you’re ready to start your new life. You know that to get a good job, especially one outside of a major downtown core, you’ll need a car. But then you get caught in the “newcomer’s catch-22”: to get a car, you need insurance. But to get affordable insurance,…
It’s a sound that stops your heart: the sickening crunch of metal and glass. Your adrenaline is surging, your hands are shaking, and you might be confused or angry. A million thoughts are racing through your head: “Is everyone okay? How much is this going to cost? My insurance is going to skyrocket. What do…