Introducing DASliving Legal Expense Insurance. Your access to justice. A welcome solution to the unforeseen costs of legal disputes. to the unforeseen costs of legal disputes.

You may think you’ll never end up dealing with a legal dispute. But, the definition of “legal dispute” may be broader than you think.  What if:

• You were discriminated against in the workplace, or wrongfully dismissed?
• Your newly renovated kitchen cabinets are a showcase of shoddy workmanship?
• You and your neighbour can’t agree on the fence line?
• You purchased a faulty home stereo system, and no one returns your calls?
• Your vacation in paradise was a total disaster?

For as little as $360 annually, the DASliving Legal Expense Insurance Protection & Advice policy is your assurance that you’re only one phone call away from legal advice, assistance and cost coverage if you’re facing one of society’s most common legal problems.

As part of your policy, you have unlimited access to the Legal Advice Helpline to discuss any personal legal matter (including tax advice) from 8am until midnight, seven days a week. Dealing with an emergency situation? No worries: help is available 24 hours a day if you need it.  Your policy covers:

• Employment disputes;
• Contract disputes;
• Property protection;
• Bodily injury;
• Tax protection;
• Employee legal defence; and,
• Court attendance expenses.

We like to think that unlawful employment dismissals, vacation catastrophes, and home renovation disasters will never happen to us.  Yet individuals, families and businesses frequently find themselves tackling costly and time-consuming legal disputes such as these every day – whether they win or lose!  Seeking professional advice is critical, yet the high costs of consulting lawyers or seeking advice can make you decide against pursuing or defending your legal rights.  In today’s world it is critical we understand our rights and have uncomplicated, reasonably priced access to the legal system when we need it.

To find out more visit www.DAS.ca or call Guthrie Insurance Brokers – 416-487-5200

Sincerely,

The Insurance Advisors @ Guthrie Insurance Brokers Ltd

Toronto – (416) 487-5200  – 1-888-310-SAVE (7283)

www.GuthrieInsurance.com   -   info@GuthrieInsurance.com

 E & O E

Your access to justice. Introducing Legal Expense Insurance for drivers. A welcome solution to the unforeseen costs of legal disputes.

Certainly we appreciate the importance of protecting ourselves with home, automobile, business, and life insurance.  Have you ever considered the financial consequences of an unforeseen automobile related legal dispute?

Picture this: it’s an ordinary drive when, a few unexpected twists and turns later, you find yourself in unfamiliar, unsettling territory.  You’re not sure which route to take to get back on track, and you don’t know whom to ask for help or directions.  It’s an unnerving scenario and unfortunately, if you own or operate a motor vehicle, it can play out in many different ways.

Those unexpected twists could be a driver’s license issue, problems with the sale or purchase of a vehicle, an accident-related benefits dispute and more.

What if:

• You’re faced with a traffic ticket that you believe was wrongly assessed?
• The replacement value of your vehicle is quoted far below what you believe it’s worth?
  Your local repair shop does a terrible job and you’re stuck with a bill and a vehicle that still isn’t working properly?

There is a positive outcome to the scenario, if you have a DASdrive Legal Protection & Advice policy.  If you do, you’ll know exactly who you can turn to when legal conflicts arise out of the possession or use of a motor vehicle.  It covers lawful drivers and passengers, too.

Your policy provides you with unlimited access to the Legal Advice Helpline to discuss any personal vehicle-related matter from 8am until midnight, seven days a week.  It’s an emergency? We’ve got you covered with 24 hour access if you need it.

With an annual premium of $80 for a one vehicle household DASdrive is designed to help you when legal conflicts arise from the use or ownership of an automobile;  Consider that all necessary legal costs associated with the following are covered:

• Legal defence – You are faced with a traffic ticket that you believe was wrongly assessed?
• Your local repair shop does a terrible job and you’re stuck with a bill and a vehicle that still isn’t working properly?
• Total loss valuation disputes;
• Obtaining Statutory Accident Benefits from your automobile insurer;
• Driver’s licence protection;
• Auto contract disputes; and,
• Issues arising from driving vehicles owned by a third-party.

To find out more visit www.DAS.ca or call Guthrie Insurance Brokers – 416-487-5200

Sincerely,

The Insurance Advisors @ Guthrie Insurance Brokers Ltd

Toronto- (416) 487-5200  – 1-888-310-SAVE (7283)

www.GuthrieInsurance.com   -   info@GuthrieInsurance.com

E & O E

Popular, but untrue urban legends about insurance alive and well: TD Insurance survey

Twenty-nine per cent of Canadians incorrectly believe driving red cars will result in more expensive insurance premiums, while 54% believe two-door cars are more expensive to insure, according to a recent TD Insurance survey.

Part II of the TD Insurance 2011 State of Insurance Report delves into these and other popular myths about insurance products.

A more complete summary of the findings can be found at:

http://www.smrmediaroom.ca/TDInsuranceMyths.html

Overall, the online survey of 1,000 people conducted in March 2011 by Environics Research Group found that “when it comes to making significant decisions regarding insurance products and services, 63% of Canadians don’t go to an insurance provider, but instead ask their friends, family or colleagues for advice (25%), rely on searching the Internet (33%), or simply go with their gut.”

This hearsay approach to insurance knowledge likely plays a part in the spread of misinformation about insurance products and services. The TD Insurance survey identifies a number of these myths and legends.

For example, 48% of the survey respondents believe their auto insurance premiums won’t increase if they get into an accident but don’t file a claim.

Also, 63% of Canadians wrongly believe they will be reimbursed at today’s prices if they file a home insurance claim for stolen or damaged items. “A standard home policy only covers you for the value of your contents, less depreciation,” says Henry Blumenthal, vice president and chief underwriter for TD Insurance.  “For example, if you purchased a television five years ago for $500, you might only get $100 for it if it were destroyed in a fire, even if it costs $600 to replace that same TV today.  If you want a higher form of protection, you should choose to add the replacement value option to your contents coverage, which will ensure the contents of your home are insured for the amount it costs to replace them today.”

Based on the results of its survey, TD Insurance expressed concern Canadians were putting themselves, their families and assets at risk by making misinformed decisions about their insurance based on hearsay and insurance urban legends.

Thanks to TD Insurance and CIP Society Advantage Daily -

Sincerely,

The Insurance Advisors @ Guthrie Insurance Brokers Ltd

Toronto – (416) 487-5200  – 1-888-310-SAVE (7283)

www.GuthrieInsurance.com   -   info@GuthrieInsurance.com

 E & O E