Keep Your Liability Slip on Your Phone

Digital Liability Slips now legal in Ontario 

September 5, 2019,  the Ontario Government announced that consumers can now present their proof of auto insurance electronically.  That means no more digging through your glove box and hoping that you remembered to replace the old ones when your policy renewed 🙂  For our team at Miller Insurance and our clients, this is great news.  Our Miller Express app offers you 24/7 access to your digital liability slips along with other important policy information. It’s simple to download.  Just click on the Apple or Android icon below and download today!  Just one more way that Miller Insurance is working hard to bring you Insurance. But Better. 

Keep your personal information safe

Our lives are kept on our phones so it’s important that you take steps to protect your private data while using electronic proof of insurance. Our friends at the Insurance Brokers Association of Ontario have created an info sheet that walks you through using the Lock Screen function on your iPhone and android.  Download it here.  

New Distracted Driving Laws January 1, 2019

According to the Ministry of Transportation of Ontario, a driver using a mobile device is four times more likely to crash than a driver focusing on the road. Based on that statistic and the widespread adoption of mobile devices, it’s no surprise that Distracted Driving collisions in Ontario have doubled since 2000.
Ontario’s new distracted driving laws will take effect on January 1, 2019. Under the new laws, those convicted of a distracted driving offence will be penalized with fines, demerit points, and a licence suspension.
• 3 days suspension and a $1,000 fine for your first offence
• 7 days suspension and a $2,000 fine for your second offence
• 30 days suspension, a $3,000 fine, and 6 demerit points for 3 or more offences
What’s considered distracted driving? It’s more than just talking on your cell phone.
• Using your cell phone to talk, text, check a map or change a playlist
• Reading
• Typing into a GPS
• Holding an electronic device
• Eating
And, novice drivers will face similar fines plus a licence suspension of 30 days. Second offences will lead to a 90-day suspension and 3rd offences will result in a complete removal from the Graduated Licensing.
Careless Driving is an even more serious charge and is a Criminal Offense in Canada. If you’re convicted of Careless Driving you’ll face steep penalties and your standard insurance policy will likely be cancelled by your provider.
Drivers need to know that a suspension can impact your insurance rate for up to 6 years. If you have a suspension, you will likely require non-standard insurance. With a suspension, it’s likely that your insurer will cancel or non-renew your insurance policy. That means, you will need to find a broker that specializes in high risk insurance.

Potential Postal Service Interruption

As reported in the news, there is a possibility of an interruption in mail services.
Should postal services be interrupted, as a client of Miller Insurance Brokers, you have the option of online banking or electronic transfers. Online banking can be set up using your Miller Insurance customer code. Electronic transfers can be sent You can also drop off payments and correspondence required by your insurance company and we will forward them on your behalf to the Insurance company via our courier.
For our clients with email addresses, we will send your insurance correspondence to you electronically so that we can ensure that all important documentation will reach you in sufficient time and minimize the risk of a policy expiring. If you have changed your email address or are unsure if we have it on file, please call us today at 1-800-265-3000 or fill out the form found by clicking here.
If you do not have an email address, policy documents can be picked up during regular business hours at the Miller Insurance office closest to you.
We also encourage you to sign up for Miller Express so that you have 24/7 access to your policy information and documentation. Enrolling in Miller Express is easy. Just click on this link and fill in the screens.
Questions? Contact us at 1.800.265.3000 or visit us at one of our eight offices.

Your Auto Insurance Benefits are Changing – June 1, 2016

Due to recent changes to auto insurance in Ontario, it’s the right time to reassess the policy you haven’t thought about in years. Your insurance company will be sending you an update in the mail, and we’re here to follow up with a conversation about your needs.

Consumers should consider more than what’s offered in a standard insurance policy. There are favourable options depending on your lifestyle. Consider updating your policy if:

* You’re a primary caregiver of young children, elderly parents or disabled family members
* You earn more than $30,000 a year
* You’re a snowbird
* You’re responsible for housekeeping or home maintenance
* You have a pre-existing injury that requires regular treatments like physiotherapy or massage
* Your auto insurance policy is your only form of coverage (i.e. you don’t have a group plan through an employer or spouse)

If you suffer catastrophic injury from a car accident (loss of limb, para/quadriplegic), standard Accident Benefits provide $1,000,000 for medical, rehabilitation and attendant care expenses. If your injury is less severe (broken bones, strains), available coverage is $65,000. These standard benefits were reduced by the Ontario government to help stabilize rates and provide more choice to consumers, but it’s likely people will feel the impact of these reductions. In today’s society, what’s the value of a million dollars when the average price of detached homes in Toronto has risen 16 percent to $1.2 million? How far does a million dollars go, spread over a lifetime?

The good news is there are options. To become more financially prepared you can increase, extend and purchase additional Accident Benefit Coverage from your insurance broker depending on what you need – whether that’s increasing coverage, extending  it to cover minor injuries or adding benefits to cover unexpected cost. If you earn more than $30,000 a year, you can increase your income replacement coverage to $600, $800 or $1,000 (depending on your income).

While it’s convenient to obtain a quick quote online, that quote won’t provide the complete picture you need. Talk to your insurance broker about what’s changed in your life this past year. How has your family’s life changed? Instead of focusing on price, start with what your needs are, then weigh them from a price perspective together with other expenses to decide what’s most important.

Luckily, Miller Insurance is here to help you navigate all of these critical changes. The Insurance Brokers of Ontario Association has created a chart that details the type of accident benefits coverage available and how the new reforms will impact your policy.


Minor Accidents: An insurer is no longer allowed to use minor at-fault accidents (under $2,000 that are not claimed to any insurer) to increase your premiums for an accident occurring on or after the effective date.

Interest rates for monthly payment plans:  The maximum amount that can be charged for monthly premium payments has been lowered from 3 per cent to 1.3 per cent for one-year policies, with corresponding reductions for shorter terms. This applies to contracts issued or renewed on or after June 1, 2016.

Comprehensive deductibles:  For any contract issued or renewed on or after June 1, 2016, the standard deductible for comprehensive coverage will increase from $300 to $500.

Talk to your Miller Insurance Broker about customizing your auto insurance. It could be the best decision you’ve ever made.

For general information about auto insurance in Ontario, more about these changes, definitions of different types of coverages and a glossary of insurance terms, visit or Know your options!

Cover All Your Bases – win Tickets to see the Toronto Blue Jays in the 2015 World Series

We love the Toronto Blue Jays and we want to celebrate by giving someone 2 tickets to see the Jays in the World Series!  On the off chance they don’t make it, you will win 4 tickets to see them next season.

If you’re already a Miller client, it’s easy! Just fill out the form with your name, current phone number and email address to make it easier for us to keep in touch with you.

Not a Miller Client yet?  Equally easy.  We just need your name, phone number, email address and the expiry date of your current home, auto or business policy so we can get back to you for a quote.

The contest box is below.  Just choose the dropdown that applies (Miller Client or Not a Miller Client Yet) and fill in with your contact info.

Contest runs 12:00am October 18th, 2015 to 12:00am October 25th, 2015.  One entry per person.

a Rafflecopter giveaway

What to do after an accident

Imagine my surprise when after visiting our office in downtown Port Elgin, I return to my parked vehicle to find my rear bumper laying on the ground behind it.  After scratching my head briefly and wondering what happened, I notice the vehicle that hit me is still at the scene and parked behind me.  Continue reading