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Auto Insurance

Algoma Mutual Insurance Company offers auto coverage, ATV coverage, farm vehicle coverage, motor home coverage, and snowmobile coverage for the areas of Algoma, Sudbury, North Bay, Timmins, Parry Sound, the Muskokas, and Haliburton. We’re dedicated to providing the best auto insurance for any and all of your needs.

Whether you’re looking for minimal or comprehensive coverage, our insurance brokers provide you with comprehensive options and will always be there for you in the event of a crisis. Your insurance broker will help you navigate the coverage you need in place. We take out the guesswork out of auto insurance by ensuring you understand what you’re purchasing and why.

Auto Policy Wordings

Ontario Automobile Policy (OAP1) Owners’ Policy Wording Eff. January 1, 2024

Auto Insurance Services We Offer

We’re always looking out for what’s best for you — that’s why all of our auto insurance services are backed by our commitment to quality service and extensive knowledge.

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Frequently Asked Questions

How do I file a claim after an accident?

In the moments immediately following an accident, many people find themselves confused and unsure what to do next. At the scene, it’s important to focus on the immediate, such as potential injuries and reporting to the police if necessary. It’s not necessary to call in a claim from the scene, but you should do so as soon as possible afterwards. Provide your policy number and name to the claims representative, and they will walk you through the process of getting the claim filed. Remember that you can file a claim with your insurance company no matter who is at fault in the accident. In fact, in a no-fault insurance province, you should file with your own insurance company.

Is it worth going through insurance for a windshield repair?

Repairing a cracked or chipped windshield right away is important – it can affect visibility when you are driving. The comprehensive portion of your insurance policy will provide coverage for such repairs. Replacement of the windshield would require the deductible to be paid. Before you file a claim, get a quote on the repair or replacement of the windshield. This will tell you whether it’s high enough to be worth paying the deductible. Algoma Mutual Insurance Company will not charge you an increase in premiums for filing a windshield claim.

How long do I have to report buying a new car?

Most insurance companies offer a grace period during which you can drive a new vehicle and be automatically covered. The common misconception about this grace period is that it’s “free coverage.” There is no free auto coverage — the policy on the new vehicle will be backdated when you notify the insurance company and you will pay for that time period. There’s no reason to delay, and many reasons to call right away. The grace period is 2 weeks. If you do not notify the insurance company within that time, you will be driving uninsured. The grace period is designed to allow you to buy a vehicle during non-business hours and still be insured for the same coverages as your current vehicle while driving your new vehicle home. You should call your insurance broker as soon as it re-opens for business and provide the information.

What happens to my car after a write-off?

A vehicle is written off when the cost to repair it is higher than its current value. The vehicle will be sold as salvage by Algoma Mutual and you will be given a payment for its calculated value.

Does my car insurance cover me in someone else’s vehicle?

This is an area that can get very tricky, but the bottom line is that an insurance policy follows the car, and not the driver. Thus, if you drive a friend’s car, it’s their insurance policy that will cover the car — and you as the driver. This is a good reason to be careful about lending your car. If you are driving a rental car and have added rental car coverage to your policy, then your policy is extended to cover that vehicle. Without that coverage, you will need to purchase the policy from the rental car company to protect you. In the event that you are involved in an accident in someone else’s vehicle and find out later that it wasn’t insured, there may be some coverage available on your policy. It’s always best to make sure ahead of time that there is coverage on a vehicle before you get behind the wheel.