“Ask us about our Guaranteed Issue Worksite Life Insurance, The Charter Plan.”

Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

Our Contacts

88 Centre Street North,
Toronto L4W 1C9
advisor@assurena.com admin@assurena.com
+1 (419)-507-0468
+1 (213)-345-0468

Working Hours

Monday
9.00 - 5.00
Tuesday
8.00 - 5.00
Wednesday
8.00 - 5.00
Thursday
8.00 - 5.00
Friday
8.00 - 4.00
Satureday
Closed
Sunday
Closed
Auto Insurance

Auto Insurance By Hecht-Stout Insurance Agency .

Auto Insurance provided by Hecht-Stout Insurance Agency .

Almost every driver in the United States is required by law to carry auto insurance. After an accident, auto insurance can protect you from financial devastation, pay to repair your vehicle and cover your medical expenses.

64 years in business
100% customer satisfaction
5 knowledgeable advisors
85+ coverage options

Click And Learn



  • Liability
  • Insured's Damage
  • Hailstorm
  • Uninsured Driver
  • Medical Payments
  • Loss of Income

Liability Coverage

Risk Factors

You cause a minor collision when glare from the setting sun blinds you in rush hour traffic. Damage is relatively minimal, but the other driver says her neck is in pain.

Solution

Liability insurance coverage pays for bodily injury and property damage to another that results from covered losses you cause.

Insured’s Damage Coverage

Risk Factors

You’re on your way to a ski weekend when you lose traction on an icy road — the impact when you slide into a guardrail damages your SUV’s front fender.

Solution

Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss.

Hailstorm Coverage

Risk Factors

A sudden hailstorm cracks your car’s windshield and leaves dozens of dents on the hood, roof and trunk of your vehicle.

Solution

Comprehensive coverage can help when your car is damaged by something other than a collision.

Uninsured Driver Coverage

Risk Factors

You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.

Solution

Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance. 

Medical Payments Coverage

Risk Factors

Your son and a passenger are both injured when his subcompact hits a tree.

Solution

Medical payments coverage can help with medical expenses if they’re caused by a covered accident — regardless of fault.

Loss of Income Coverage

Risk Factors

You miss several days of work while receiving physical therapy for injuries sustained in a car accident.

Solution

Personal Injury Protection (PIP), where available, can help with medical and rehabilitation expenses, as well as lost wages.

What is Auto Insurance?

The simplest explanation of auto insurance is that it agrees to pay all or part of the costs associated with an accident, theft or other cause of damage to your car. Auto Insurance is a must have as it helps ensure you are financially protected incase of damages to your vehicle, associated medical expenses and damages to third party.  

What are different types of Auto Insurance ?

These are the different types of auto insurance coverages you should be aware off

  • Liability: Liability insurance pays to repair damages you cause to other drivers and vehicles. This insurance includes bodily injury and property damage liability. 
  • Collision: This helps you pay to repair or replace your car if you’re in an accident.
  • Comprehensive: Comprehensive coverage is usually optional, and it covers damage to your car that is caused by unexpected events, like windshield damage, fire or accidents with animals.
  • Uninsured motorist: This insurance covers you if you’re in an accident and the driver at-fault does not have liability insurance.
  • Underinsured motorist: Uninsured motorist covers you if you’re in an accident and the driver at-fault does not have enough coverage to pay for damages to your vehicle or your medical expenses.
  • Personal injury protection: This pays for your medical bills if you sustain injuries in an accident, regardless of who is at-fault.

The other type of optional coverages you can have is GAP insurance, Roadside Assistance, Glass Insurance, Mechanical Breakdown,Rental reimbursement & many more.

Importance of Auto Insurance

Auto insurance is important because it is financial protection in case you get into a car accident and damage someone else’s vehicle or injure them. Auto insurance can also protect your vehicle from damage caused by an accident or a different covered peril, like falling objects, fire, or theft.

If you don’t have auto insurance for you and your vehicle, depending on the state you live in, you could potentially be breaking the law. Driving without insurance could result in fines and license suspension.

Every car insurance policy is actually made up of several different coverage components, all of which provide important types of protection. Each type of coverage is important, however not all coverage components are required by law. Every state has its own rules about how much auto insurance is required. You can choose the right one after consulting with us.

Already Have Auto Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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