COVID-19 and your Auto Commute
Many insurance companies are pivoting and offering solutions for COVID-19 and your auto commute. We continue to compile resources from every company that we represent to ensure we are keeping you up to date on how to best manage your insurance policies during the COVID-19 social distancing and isolation.
You are no longer commuting to work
If you still require use of your vehicle, but you are no longer using it to commute to work/school during the pandemic, or if your vehicle is driving significantly fewer kilometers over this period, we can adjust the applicable policy information. For example, if your vehicle was used for business purposes or driving to and from work or school, we can determine if you now qualify to modify your policy to pleasure use.
As a quick disclaimer, it is important to note that, in order to avoid potential risk of being under-insured, you are responsible for calling us to have the use and/or mileage adjusted once your situation changes.
You are no longer driving your vehicle at all during the COVID-19 pandemic
It’s important that you understand the options available. If you are not using your vehicle at all during the pandemic, there are two options:
1. You can chat with us about reducing liability coverage as well as your comprehensive and collision deductibles.
2. You can choose to park the vehicle and completely remove road coverage. This is something we will chat with you about on a case-to-case basis and help you determine your risk vs. reward for amending coverage in this way.
Please note – if the vehicle is leased or has a lien holder, we can’t reduce to Comprehensive only without written confirmation from the lessor or lien holder.
Paying your Premiums
We are proud of the insurance companies we represent as many of them are offering flexible payment options or even payment deferral options. If you feel you can not pay your insurance premium, please contact us and we can navigate this with you and the insurance company.