Left Navigation Critters Insurance policies can be hard to read. IBC wants to help. Some of the basic questions from consumers are posted here. If you have other questions, please let us know. We are developing new blogs and brochures to address your needs. ALUMINUM SIDING VS. BRICKDo homes covered in aluminum siding cost more to insure than homes made out of brick? INSURANCE BENEFITS AFTER AN AUTO COLLISIONDo you know what insurance benefits you’d be entitled to if you were seriously injured in an auto collision? CAR IMPROVEMENTS FOLLOWING A COLLISIONWill my insurer pay to improve my car after a collision? NEIGHBOURHOOD IMPACT ON INSURANCE RATESIs the cost of your insurance affected by the neighbourhood in which you live? ACT OF GODDoes your home insurance cover damage from an act of God, like high winds? PAYING MORE FOR LESS COVERAGESome Ontarians think they're paying more for insurance and getting less coverage. COLOUR IMPACT ON AUTO INSURANCE RATESDo red cars cost more to insure than cars of other colours? MEDICAL EXPENSE PAYMENTS FOLLOWING A COLLISIONWho pays your medical expenses following an automobile collision? FLOOD DAMAGE COVERAGEIs flood damage caused by a spring thaw covered by your home insurance? GAS VS. ELECTRICIs the cost of home insurance affected by the type of appliances you have? INSURANCE FRAUDIf you knew someone had committed insurance fraud, would you know where to report it? INSURANCE POOLIs the money I pay for insurance set aside just for me to cover any claims I may have in the future?