FAQs

1. The client can report the claim by calling or emailing.  Even if the office is closed, clients have the option to press 1 to report an urgent claim.  Each company also has an after-hours toll-free number for claims as well.
2. If they report it to us (broker), we gather all necessary information.
3. We then provide this information to the insurance company.
4. The above information and dates are attached to the client file.
5. The insurance companies will promptly assign a claims adjuster who will then handle the claim.
6. We ask the client to let us know if they have not heard from an adjuster within a reasonable time period and will follow up immediately to ensure a smooth process.
7. When needed, the broker will get involved to help out the process.  This can be due to a client working shift work during a time of day that they are unable to get a hold of the adjuster.  In this case, we can act as the messenger for them.
8. We can get involved as well if the clients feel they are getting an unfair settlement and have documentation to support their argument. We can also bring clarity to any instances where a lack of communication may have occurred.

We provide you with two convenient options:

• Call us directly at our office: 1 (844) 360-5300
• File your claim through email.

It is possible that the filing of a claim can have some degree of impact upon your deductibles / rates. However, we implore you to contact us if you’ve suffered an injury or any damage to your vehicle. We are here to help throughout what is often a traumatic event and do not want any potential concerns regarding your rates to prevent you from contacting us.

For us to be as efficient as possible, it’s best that you are able to immediately provide us with the following:

• Your policy number
• Contact information – primarily a phone number you can be reached at
• Correspondence relating to the claimed event
• Invoices for out-of-pocket costs
• Police reports
• Receipts for damaged / lost items

We’ll be happy to immediately assist you. Please call us at 1 (844) 360-5300 and we’ll help to speed the process up!

Of course! You can speak with us at 1 (844) 360-5300 from Monday to Friday between 9am and 5pm EST and a live broker will be more than happy to assist you! You can also email us at info@paibinsurance.com

All of the information we use regarding the properties in your area is publicly available. We rely upon a variety of service providers to help us maintain this data and we curate that information to ensure you are receiving a simplified quote that offers you the most competitive price available.

Have you checked your junk/spam folder? If you don’t see your confirmation email in any of your folders, contact us at 1 (844) 360-5300 or email info@paibinsurance.com so we can ensure that we have the correct email address on file. Once we have received confirmation, we will ensure you receive your free no-obligation quote.

Most states require that you have some sort of coverage on the vehicle, even if it is not worth much. This not only protects you as the driver, but those who are also driving on the road alongside you. This insurance can cover damages that might happen caused by you.

Collision is referring to the loss or damages that have been done to your vehicle because of an auto accident you’ve been in. This can be you driving and hitting another car or object, or the other way around.

Comprehensive coverage is when you have damage that has been done because of outside factors. This can be anything from a hailstorm to wind damage from fallen tree limbs.

Once you purchase a vehicle, you will have to have insurance on it as soon as possible. You are not able to drive the vehicle off the lot if you do not have it insured. Insurance is easy to get on a vehicle. Call us and we can quickly get you the coverage you need on the new vehicle.

Your driving record is what determines whether you need this or not. This is what determines if you’re classified as a high-risk driver or not. Those who have multiple violations and speeding tickets, or those with DUIs might be considered a higher risk than others who don’t have these issues on their records.

Simply put, yes. Your vehicle is one of your most valuable assets and you have every right to have it serviced at the location you are most comfortable with.

You have complete ownership over who you allow to drive your vehicle. However, be aware that the stipulations within your policy apply to every driver behind the wheel of your automobile. Each driver must be fully licensed without any restrictions, ie. suspension. Contact us directly to inform us about the particulars of your situation.

Assuming they have your permission, have a valid driver’s license, and have not been specifically excluded from driving the vehicle, the answer is yes. However, all licensed drivers within your household MUST be listed on your policy – their driving frequency is irrelevant.

Collision and upset insurance will cover damage to your vehicle caused from impact with another vehicle / object and rollover damage.

Comprehensive insurance will also cover other losses such as theft, vandalism, and damage / loss due to fire.

Your quote will include all of the coverage that is legally required according to the Province of Ontario. Optional coverage is also available based upon individual needs.

You can find it by clicking on the link below, or even easier, we have attached the PDF of the OAP.

https://www.fsco.gov.on.ca/en/auto/forms/Pages/oap1_forms.aspx

Homeowner’s insurance covers the property structure that is being insured. It also covers the items inside and outside on the property if they are lost, stolen, damaged, etc.

The land itself is usually not something that is covered. The structure and some of the items in and outside of it, and any extras that were added would all be covered under this type of insurance policy.

Homeowner’s insurance is usually required for the owner to purchase the property using a mortgage to do so. Proof of this coverage is required during the purchasing signing.

Speaking with an agent can help you customize the best plan for your needs.

Some things can be done to lower the costs of the insurance that you need. The best thing you can do is to make sure you’re getting a comprehensive review and quote from one of our insurance agents.

If you’re shopping around, make sure to look at the coverage amounts because this will make all the difference. What the policy covers will make a huge difference in the price you pay.

You can look into discounts that come with the policies that are being offered too. Some of them are offering discounts to those who have security systems or alarms, or those who insure all of their items with the one company. 

You can lower your premium by up to ten percent if you choose to make your deductible a bit higher. Think of the highest possible amount you could safely afford for this and then go with that amount.

Your insurance policy should be read on an annual basis. However, there are certain instances that would require a policy update:

• Addition of new high-value belongings
• Construction / renovations
• Launching a home-based business
• Vacant home

This may happen for a variety of reasons, whether due to climate changes or a big loss due to catastrophe. Call us at 1 (844) 360-5300 to discuss the specifics of your situation.

If you would like to reduce your premium, you always have the option to increase your deductible. However, this is only recommended if you are absolutely sure that you will be able to pay the higher deductible should you need to make a claim.

Sewer backups can be complicated and often require a very sophisticated cleaning and restoration team to remove the combination of water, soil, and bacteria. You may also suffer loss and/or damage to many of your personal belongings.

• When acquiring a new policy, it is important to remember that the majority of policies do not include sewer backup insurance, or a sewer backup rider, as these are purchased in addition to your regular home insurance policy. Costs are traditionally low on these policies.
• If you have an existing policy, you need to ensure that you review and/or contact your broker to learn whether or not you have this particular form of coverage
• With floodings becoming more common across Canada in recent years, sewer backups are less rare than many seem to believe. If you experience a sewer backup thinking the event will be covered under your standard policy, be aware that most insurance companies will not pay out on this claim.

In a word, no. However, if your time away from the home is planned beyond a period of two weeks, you are going to want to ensure that a trusted individual makes period checkups. In the winter, it is integral to ensure that your heating is on. Damage due to frozen pipes will not be covered under your policy if you’ve been absent from the home for more than 14 days without anyone checking upon your home.