In Ontario, Canada, how does auto insurance work? Do you need to insure yourself as a driver and your car separately? If anyone can help me with the details of this, that would be great. Thanks!

My husband and I are 28 years old, have three children and plan to have one more child in the near future. We live in Virginia (DC area). His annual earnings are about $70k; I also work part time earning annually about $35k. We currently have life insurance through our employers, but we want to get policies on our own. Can anyone recommend a good company to go with and a type of policy that we should get?

My home got flooded. Insurance denied the claim but I believe I still have a case. What kind of lawyer would I need that specializes in home insurance policies to see if I really do have a case?

I don’t want to spend extra money on business insurance because I have an inactive self-employed business and I don’t go to see clients often. What happens if I had a car accident on my way to see a friend? OR to see a cleint? Does it make a difference when I make a claim? What about % of my business use of car and personal use of car? Is it a major factor for the insurance company to define if it is business use or not. What about the nature of business? I am looking for some professional advices. Thank you!

My auto insurance company told me that if I’m in an accident and I don’t have enough auto insurance I can be sued and possibly lose my home. I never heard of anyone losing their home because of an auto accident. If I have a good driving record, how much insurance do I really need and can I really lose my home if I don’t have enough? and how do you collect from someone who doesn’t have any insurance? It seems stupid to carry uninsured insurance if I can sue someone for damages.

What do I need to ask to be covered in my home insurance plan?