Most accident benefits become optional July 1. Understand what's changing before your renewal.
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Compare ratesThe Ontario endorsement that caps the maximum payout for loss-or-damage coverages (collision and comprehensive) at a stated amount. Often used for older vehicles where actual cash value sits well below standard valuation tables.
The plain-English definition above is the short version. We add expanded guides — examples, regulatory context, common pitfalls, and related coverages — as we go. If this term is on your mind, tell us and we’ll prioritize it.
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