Auto Insurance Home Insurance Recreational Vehicle Insurance Boat Insurance Snowmobile Insurance Saving You Money
JD Smith Insurance JD Smith Insurance Brokers Staff List & Contacts
Commercial and Personal Insurance Solutions Since 1979
JD Smith Insurance Claims Information
Stay up to date on the latest COVID-19 information by visiting the Canada Coronavirus Website
none none none
none Backflow Prevention Valve

At J D, we recommend everyone have a Backflow Prevention Valve Installed.

Claims like this are never good. Effluent everywhere.

Some policies will not even cover this damage, so check with your Personal Broker.

none none none

When it comes to claims, our companies are professional and prompt in settling legitimate claims.

We work with our Insurance Companies to prevent fraud.  Fraud hurts us all. Please report suspected fraud.

Please follow these quick links to a number of our Top Insurance carriers in order to set up an insurance claim. You can also call the numbers shown further down this page in order to set up a claim with an adjuster over the phone.
The following link may be helpful when you have a claim. The adjuster will assist you with the claim and settle it with the insurance company. Be sure to be honest and clear with them. They are there to help, but also to protect you and me from fraudulent claims that increase our premiums. We are here at J D Smith to give you advice at any time. We advise our clients NOT to put in small claims and lose the good claims discount you have with the company. Keep in mind that all claims are recorded and available to all companies for future policy rating. This helps keep the rates down for those of us with rare claims. Go to site...
Emergency Company Contacts 24 / 7

We have set up a direct line for you to call the Insurance Company for large emergency claims. Direct contact with your Insurance Company 24/7 is possible.

Note that the best way, ESPECIALLY IF THE Claim is Minor, is to talk to your personal Broker first, for advice and Deductible Information.

Each Insurance Company does have their own web site, and you are welcome to go direct to their site on the web and report the claim or problem, but PLEASE copy our office as well to,

Aviva Insurance 1-866-MY AVIVA
Dominion Insurance
Chieftain Insurance
Travelers Insurance
Ecclesiastical Insurance 1-888-224-5677
Economical Insurance 1-800-607-2424
Intact Insurance 1-866-464-2424
JEVCO Insurance 1-866-864-1112
Perth Insurance 1-800-607-2424
Unica Insurance 1-866-864-1113
Wawanesa 1-844-929-2637
When You Have an Auto Accident

Call our office and speak to your Customer Care Representative.
  1. Obtain the third party’s driver’s license number, year, make, model and serial number for the vehicle from the ownership, the vehicle’s license plate number and insurance company and policy number from the pink liability slip for this vehicle.
  2. Then take your vehicle to the Collision Reporting Centre within the area.
  3. The police will complete a report and look at the damages to your vehicle.
  4. They will send a copy of the report to your Insurance Company.
  5. Call your Broker to report the incident and we will provide a full report to your Insurance Company to get your claim started.

All Insurance Companies have “Preferred Shops” that they will refer to you for the repairs to your vehicle.  These “Preferred Shops” guarantee their work to the Insurance Company.

Reporting Your Home Claim

Call our office and speak to your Customer Care Representative.
  1. Remember, leakage claims are not covered.
  2. Damage must be caused at your location.
  3. Hydro outage or surges are not normally covered.
  4. Your deductible may be more than your claim.
In today's insurance climate, it is wise to pay small claims yourself.
Emergency Claims 24 / 7

Commercial Claims - For any company, if you cannot reach them directly using the numbers above, our 24 hour hotline is 1-888-224-5677 for fire or water damage when you have a large claim. This line is to Crawford Adjusters who will assist you & will contact your insurance if you have tried the numbers above without success.
New Auto Policy Coverage and Benefits

A few years ago the Ontario Government revamped the rules and coverage available for Auto Insurance. The following information should be helpful for you as you review your insurance coverages.

These changes provide consumers with more choice and flexibility to purchase coverage that best meets their protection needs and budgets.

You now have choices to customize your medical and rehabilitation benefits, certain deductibles and income replacement coverage. The following chart summarizes these changes.

New Auto Policy coverage – effective as of your renewal date.

New options now available – If you want to increase your benefits, here are some of your new options.
* Medical & rehabilitation expenses to a limit of $50,000 for non-catastrophic injuries.
This coverage is in your expiring policy but the limit has been reduced to $50,000 in your renewal policy.
* You have the option to increase the limit to $100,000 for non-catastrophic injuries.
* Attendant care expenses to a limit of $36,000 for non-catastrophic injuries.
This coverage is in your expiring policy but the limit has been reduced to $36,000 in your renewal policy.
* You have the option to increase the limit to $72,000 for non-catastrophic injuries.
* Caregiver, Housekeeping & Home Maintenance expenses only available for catastrophic injuries.
This coverage is in your expiring policy for both catastrophic and non-catastrophic injuries. It is not in your renewal policy for non-catastrophic injuries.
* You have the option to purchase this coverage for non-catastrophic injuries
* Deductible of $30,000 when suing for pain and suffering.
This continues to be the standard deductible provided for by law.
* You have the option to reduce the deductible to $20,000

The goal of these changes is to achieve rate stabilization by keeping the costs incurred by insurers in check with emphasis placed on Accident Benefits coverage. Without these reforms, major rate increases would be required.

A Bridge Too Small

Click to see the full series
  • Sometimes we ask "stupid" questions or, maybe, the U/W asks "stupid" questions like, say, has the Insured surveyed route they are going to take?
  • Have they obtained approvals for the route from the local authorities?
  • Did they check the quality of the roads, clearance of overhead wires, bridges and tunnels.
  • Did they determine the CAPACITY of that little BRIDGE they were going to use?
  • Sometimes those "stupid" questions aren't so stupid after all.
A 14" Hole in the Wrong Place

Click to see the full scene
  • What happens when a 14" hole is drilled down through a lake into a salt mine?

  • Click here to see the details and consequences

Lucky To Be Alive

Click to see the full scene
  • Two photos of an accident that came very close to ending in disaster!

  • Click here to see what we mean

Unusual Claims

Click to see the full series
  • Amazing photos of unusual insurance claims.

  • Click here to see what we mean

Don't Let This Happen To You
frozen_pipes.jpg (52118 bytes)
Click to enlarge
  • If it is water damage, rent a wet vac!

  • Take photos

  • Try to repair what you can.

Giant Mine Widows Denied $10.7-Million Award
Giant Mine Widows Denied $10.7-Million Award
Click for full story

The Supreme Court of Canada has sided with the Northwest Territories Court of Appeal in overturning a lower court award of $10.7 million to the families of nine miners murdered in 1992.

Roofer Liable for $2.3 Million in Damages for Church Fire
Roofer Liable in Church Fire
Click for full story

The Supreme Court of British Columbia recently found Sur-Del Roofing Limited responsible for a 2004 fire that destroyed a Mennonite Church in Abbotsford, B.C.

Winners of the Annual Stella Awards

The Stella's are named after 81-year-old Stella Liebeck who spilled coffee on herself and successfully sued McDonalds. That case inspired the Stella Awards for the most frivolous successful lawsuits in the United States. 

5th place (Tied)
Kathleen Robertson of Austin, Texas was awarded $780,000 by a jury of her peers after breaking her ankle tripping over a toddler who was running inside a furniture store. The owners of the store were understandably surprised at the verdict, considering the misbehaving toddler was Ms. Robertson's Son.

5th place (Tied)
19-year-old Carl Truman of Los Angeles won $74,000 and medical expenses when his neighbour ran over his hand with a Honda Accord. Mr. Truman apparently did not notice there was someone at the wheel of the car when he was trying to steal the hubcaps.

5th place (Tied)
Terrence Dickson of Bristol, Pennsylvania was leaving a house he had just finished robbing by way of the garage door. He was not able to get the garage door to go up since the automatic door opener was malfunctioning. He could not reenter the house because the door connecting the house and garage locked when he pulled it shut. The family was on vacation and Mr. Dickson found himself locked in the garage for 8 days. He subsisted on a case of Pepsi he found and a large bag of dry dog food. He sued the homeowner's insurance claiming the situation caused him undue mental anguish. The Jury agreed to the tune of $500,000.

4th Place
Jerry Williams of Little Rock, Arkansas was was awarded $14,500 and medical expenses after being bitten on the buttocks by his next door neighbour's Beagle dog. The Beagle was on a chain in its owner's fenced yard. The award was less than sought because the jury felt the dog might have been a little provoked at the time as Mr. Williams, who had climbed over the fence into the yard, was shooting it repeatedly with a pellet gun.

3rd place
A Philadelphia restaurant was ordered to pay Amber Carson of Lancaster, Pennsylvania$113,500 after she slipped on a soft drink and broke her coccyx (tailbone). The beverage was on the floor because Ms. Carson had thrown it at her boyfriend 30 seconds earlier during an argument.

2nd Place
Kara Walton of Claymont, Delaware sued the owner of a nightclub in a neighbouring city when she fell from the bathroom window to the floor and knocked out two of her front teeth. This occurred whilst Ms. Walton was trying to crawl in through the window of the Ladies Room to avoid paying the $3.50 cover charge. She was awarded $12,000 and dental expenses.

1st Place
This year's runaway winner was Mr. Merv Grazinski of Oklahoma City, Oklahoma. Mr. Grazinski purchased a new Winnebago motorhome. On his trip home from an OU football game, having driven onto the freeway, he set the cruise control at 70 mph and calmly left the drivers seat to go into the back and make himself a cup of coffee. Not surprisingly, the RV left the freeway, crashed and overturned. Mr. Grazinski sued Winnebago for not advising him in the owner's manual that he could not actually do this. The jury awarded him $1,750,000 plus a new Winnebago Motor Home. The company actually changed their manuals on the basis of this suit just in case there were any other complete morons buying their recreation vehicles.

RIBO JD Smith & Associates Insurance Brokers Inc.
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
Tel: 905-764-7868
Fax: 905-764-9618
JD Smith Insurance
Home Personal Insurance Business Quotes 24/7 Commercial Life & Health Information About Us
  Auto Insurance
Accident Benefits Explained
Home Insurance
Motorcycle Insurance
UberX Insurance
Boat Insurance
Snowmobile Insurance
Builder's Risk Insurance
Health & Fitness Insurance
Professional Liability Insurance
Special Events Insurance
Barber & Hairstylists
Non-Profit Insurance
Photography Services
Application Forms
Camp Insurance
Car & Truck Fleets
Cyber Liability Insurance
Event Application
Marine & Overland Cargo
Non Profits
Retail / Wholesale
School Insurance
Tool & Die
UberX Insurance
Welding & Steel
Windows & Doors
Life Insurance
Life Insurance - Groups
Mortgage Insurance
Critical Illness Insurance
12 Ways to Save
Online Payments
Accident Benefits Explained
Insurance Companies
20 Hot Topics
News & Humour
Winter Storage Tips
Reflection & Encouragement
Code of Consumer Rights
Privacy Policy
Core Values
Broker Advantage
Staff List & Contacts
Staff Video Messages
Job Opportunities
Reflection & Encouragemenet
News & Humour
Car Racing Team
E. & O. E. Disclaimer
© JD Smith & Associates Insurance Brokers Inc., 1999-2023. All rights reserved.
E. & O. E
. Read Disclaimer