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Get Automobile Insurance Services

Padfield-Nelson Insurance Brokers Limited offers automobile insurance services to clients throughout Ontario. Our brokers provide coverage for personal, recreational, antique/classic, commercial or farm vehicles with excellent plans available through a number of reputable insurance companies. We’ll be happy to pinpoint the coverages that are best suited to your needs.


Our automotive insurance brokers can provide you with top value coverage from a range of well-known providers. From hit-and-runs and theft to accidents and injuries, it’s highly imperative to keep your vehicle insured so you’re prepared when accidents do occur.

Automobile Insurance

Did you know that to legally drive a vehicle in Ontario you must have an auto insurance policy that includes:

  • Third party liability

  • Accident benefits coverage

  • Uninsured automobile coverage

  • Direct compensation-property damage coverage

This includes automobiles, trucks, motorcycles, snowmobiles and ATVs. At Padfield-Nelson Insurance Brokers Limited we can provide you with this coverage at competitive rates for the package that best serves your needs.

There are a lot of options that we can advise you on but for an idea of what your choices are, please read below.

Mandatory vs. Optional Auto Insurance Coverage in Ontario

You’ll likely want to extend your policy beyond the mandatory coverage to increase your protection and benefits. We will help you understand and decide on the best level of protection to consider. The table below describes both mandatory and optional coverage available to Ontario drivers.

  • Coverage
  • Mandatory coverage
  • Optional coverage
  • Liability coverage Learn More

Coverage   Mandatory coverage                                                          Optional coverage

Third party liability $200,000 in coverage for property damage, injury, or death due to an accident that you are responsible for. Coverage may be increased to $500,000, $1 Million or $2 Million.
Recommended limit is a minimum of $2 Million.

Accident Benefits Learn more

Medical, rehabilitation and attendant care benefits Medical and rehabilitation benefit: covers costs such as physiotherapy, prescriptions, chiropractic care, counselling, and transportation to medical appointments not covered by OHIP or your group insurance plan, but which are listed in the statutory accident benefits schedule. Non-catastrophic injuries: may be increased to $130,000 or:
Increase $1,000,000 for all injuries, for a total of $2,000,000 for catastrophic injuries.
Increase combined all injury benefit to $1,000,000 and increase
  Attendant Care Benefit: Should you require an attendant to care for you, either at home or in a healthcare facility, if you’ve been seriously injured in an auto accident. Catastrophic Injuries to $2,000,000*.
Recommend to at least increase to $1,000,000 for all injuries
  The combined mandatory minimum coverage for Medical, Rehabilitation and Attendant Care Benefits is $65,000 for non-catastrophic injuries (fractures, sprains, etc.), and $1M for catastrophic injuries (loss of limb, quadra/paraplegia).  
Caregiver Benefits Catastrophic injuries only: If you can no longer care for your dependants as the result of an automobile accident:
A maximum of $250/week for the first dependant, and
$50 per week for each additional dependant
Benefits may be extended to include all injuries.
Housekeeping Coverage and Home Maintenance Expenses For catastrophic injuries only: If mandatory coverage
If you need to hire someone to carry out your housekeeping or home maintenance responsibilities. Up to $100/week.
Benefits may be extended to include all injuries.
Death and Funeral Benefits A payment of:
$25,000 to your spouse, $10,000 to each of your dependants, and a maximum of $6,000 for funeral expenses
Benefits may be increased to:
$50,000 to your spouse, $20,000 to each of your dependants, and $8,000 for funeral expenses
Coverage for Loss or Damage to Your Vehicle
Direct Compensation – property damage coverage Covers damage to your vehicle and its contents in the case of an accident for which you are not responsible. Learn more. No further options
Collision or Upset Coverage Not covered Coverage for losses resulting from damages to an insured vehicle if involved in a collision with another object; vehicle, trailer attached to a vehicle, the surface of the ground and any object in or on the ground. Learn more.
Comprehensive Coverage Not covered Covers the cost of repairing or replacing your vehicle from damage not caused by collision. Includes incidents listed under Specified Perils coverage, such as fire, theft, natural disasters, and more. Learn more.
All Risk (All Perils) Coverage Not covered Combines collision or upset and comprehensive coverages. Also covers loss or damage caused by theft by someone who lives in your home or by an employee who has access to your vehicle.
Coverage Mandatory Coverage Optional Coverage
Coverage Against Uninsured Drivers and Hit and Runs
Uninsured Automobile Coverage Covers you and your family against injury or death by an uninsured or hit-and-run driver, and against damage to your vehicle by identified, uninsured drivers. No further options

*If you purchase the additional medical, rehabilitation and attendant care benefit for both catastrophic injuries and for all injuries, the total eligible benefit amount for a catastrophic impairment would be $3,000,000

The table above should help you better understand the auto insurance options available to you in Ontario; however, remember to speak with your broker before making any final decision on the protection you need. At Padfield-Nelson Insurance Brokers Limited we work with some of the best insurance companies in Ontario in order to find you the broadest coverage and at the best rates available.

Whoever you are and whatever vehicle you own, you deserve the right service and value. Our insurance brokers will provide quick and friendly service whatever the situation. Call us now for more information. You can also reach out to us at or 519-323-1864 if you’ve got any queries.

Auto Insurance

Our policies offer financial protection against physical damage or bodily injury of your vehicles.


Padfield-Nelson Insurance Brokers Limited

149 Main Street South

Mount Forest, ON

N0G 2L0

Phone: 519-323-1864

Toll-Free: 1-877-323-1567


Fax: 519-323-1896


Monday - Friday 09:00 AM - 05:00 PM

Saturday - Sunday Closed


Covering all of Ontario

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