There has been a lot of coverage in the media recently over distracted drivers. With Bill 118 (which outlines the ban on handheld cell phone use while driving in the Province of Ontario) likely to come into effect in October 2009, do you know what penalties you may have to pay if you're found guilty of talking or texting while driving?

When it comes to insurance, it's hard to miss the following phrase in the media today — "car insurance rate approval." No doubt you've heard about this, but what does it mean, exactly, and what is car insurance rate approval all about? And, more importantly, how does it impact your auto insurance?

In the upcoming months, our monthly newsletter will cover various common insurance situations that you, as a driver, may face and how to handle them in the most effective way. To get started, let's look at a very common scenario: another driver has hit your car in a parking lot, denting your car.

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It's a situation no one wants to live through: you come home from work and the front door is ajar. Inside, you discover your personal items missing, a big mess and it dawns on you — you've been robbed. This is exactly what InsuranceHotline.com account manager Samuel David experienced this past June. In this article, he'll answer the most common questions you'll face if you find yourself in this situation.

Are you one of the 'lucky' consumers who have a great set of discounts with their current auto insurer? If so, then you must be paying the lowest premium out there, right?

No one wants higher insurance rates, which is why making a deal with another driver to not report an accident to your insurance company seems so appealing — but that doesn't mean it's a good move.

Keeping your insurance rate low starts with keeping a clean driving record, which is free of tickets and accidents, and one of the best ways to do that is to practice safe driving habits. With summer finally here, it's especially important to stay smart and aware while on the road. School's out, kids are taking to the streets to play, and it's your duty as a driver to follow good driving practices.

The Financial Services Commission of Ontario (FSCO) is has clarified the use of an endorsement which can be added to your insurance policy.