• 1-855-4-ESTRADA
  • general@estradarentals.com

Providing Insurance Car Rental Across The GTA Since 2009

Car Rental
Contact Us

OVER 128,000+
Drivers Back on the Road

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Locations

Why Estrada Rentals

Direct Billing

We work directly with all major insurance companies, so you never pay out of pocket for your accident replacement car rental in Toronto, the GTA, or anywhere in Ontario.

Pickup & drop off

We pick you up from home, work, or the accident scene and drop you off once your replacement car, SUV, truck, electric, or luxury vehicle is ready. This service is completely hassle-free and convenient, offering delivery and pickup options tailored to your needs.

Claim Assistance

Our team works hand in hand with your insurance adjuster and body shop, making your accident courtesy vehicle rental process smooth from start to finish and ensuring all claim and coverage needs are addressed.

Quality Vehicle

Choose from a wide selection of clean, current-model replacement cars, SUVs, trucks, electric, and luxury vehicles. We have the right courtesy vehicle for every need, so you are always supported with reliable transportation options.

Our Locations

Map Base Location Detail
Head Office
Address
4936 Yonge St. Suite # 188, Toronto, ON, M2N 6S3
Office no
647-991-2244
Richmond Hill
Address
41 Courtland Avenue, Unit 3, Concord, ON L4K 3T3
Office no
905-762-0222
Markham West
Address
19 Harlech Ct Thornhill, ON L3T 6L5
Office no
905-201-8139
Markham East
Address
2750 14th Avenue Unit G6, Markham, ON L3R 0B6
Office no
905-752-6875
North York
Address
100 St Regis Crescent Unit 9, North York, ON M3J 1Y8
Office no
416-964-9978
Durham Region
Address
369 Finley Ave unit #1, Ajax, ON L1S 2E2
Office no
905-755-1962

REVIEWS FROM OUR CUSTOMERS

Estrada Car Rentals has received more than 100 positive ratings from customers all over the GTA.

What Is Estrada Car Rentals?

.
  • FAQS

QUESTIONS? ANSWERS!

We’ve answered some of the most common questions about insurance claims, how our process works, and insurance claims. If you don’t see your question here, our team is always happy to help.

How Does the Insurance Claim Process Work?

Our team can guide you through setting up your claim and work directly with your insurance company. In most cases, we provide direct billing, which means you won’t have to pay out of pocket and wait to be reimbursed.

Our main service is insurance replacement rentals for customers whose vehicles are being repaired after an accident.

We also offer retail rentals at one location, and we may expand this service in the future. Whether you need a temporary vehicle after an accident or for another reason, we’re here to help.

Yes, we offer convenient pick-up and drop-off services to make the rental process as easy as possible. Just let us know your location, and we’ll arrange delivery and collection of the vehicle.

Our goal is to provide a rental similar to your vehicle, and sometimes an upgrade, so you can keep your routine with minimal disruption while your car is being repaired.

In Canada, auto insurance is required by law. After an accident, many drivers file a claim to cover repair costs and related expenses, and your insurer can help you decide the best option for your situation.

Most insurance companies recommend reporting an accident as soon as possible, ideally within seven days.

However, depending on your policy, you may have up to two years to file a claim. Reporting the accident quickly can help avoid delays or complications with your claim.

Accidents often must be reported under local laws and insurance rules. Failing to report can cause problems down the road, as the other driver may still file a claim, which could affect your insurance record and raise your premiums.

Usually, it’s best to contact your own insurer first. They can guide you through the process and coordinate with the other driver’s insurance if needed.

Yes. In Ontario, a police report isn’t usually required if damage is under $2,000 and no one is injured. You still need to notify your insurance company, as failure to do so could cause problems if the other party files a claim later.
Regardless of who is at fault, notify your insurance broker, agent, or company within seven days of an accident. Waiting too long could delay or deny your claim.

Here’s what you should do:
Complete a “proof of loss” within 90 days of the accident
Notify the other driver’s insurance company, if applicable
Inform the other driver if there’s a claim against them
Review your policy and contract terms if you plan to take legal action

Gather Key Information
Your insurance policy number and the registered owner’s details
Vehicle information: make, model, year, registration, and license plate
Accident details: time, date, location, and a description of what happened
Damage to your vehicle and any injuries, including the number of passengers
Other driver(s) information: names, license numbers, insurance company, and policy numbers
Police information: officer name and badge number, if applicable

Once submitted, your claim will be reviewed by your insurance company. The process may vary depending on:
The severity and nature of the accident
Your insurer’s policy on claims
Whether there were injuries, property damage, or both

Providing complete and accurate information up front helps ensure your claim is handled smoothly and fairly.

After you file your claim, a claims adjuster will be assigned to review your policy, confirm coverage, and guide you through the process. They may contact you for additional information during the investigation.

  • Some things the adjuster may do include:
  • Request a copy of the police report
  • Speak with witnesses
  • Inspect the accident scene
  • Ask you to contact the other driver
  • Review medical records related to injuries
  • Take photos of your vehicle
  • Assess the damage to your car
  • Gather information about any related expenses

Medical Care and Vehicle Repair
Your insurance will cover injury and repair costs while fault is being determined. Once responsibility is clear, your insurer may work with the other driver’s insurance company to settle payment. If the other driver is at fault, your insurer can recover costs through subrogation.

Not all claims affect your insurance. Premium changes depend on the claim type, insurer, and province, and some laws prevent rate increases or policy cancellations for certain losses.

Comprehensive Claims
Claims for things like theft or damage from falling objects usually do not increase your premiums, unless multiple claims happen in a short period. These types of damage are considered out of your control.

Consumer Protections for Claims
Recent consumer protection laws outline which events can affect your rates and which cannot. Ask your insurer for a list of non-surchargeable events and how long any surcharges last.

Claims That Will Increase Premiums
Claims caused by illegal or unsafe driving can lead to higher premiums or even policy cancellation.

Fighting a Low Car Insurance Claim Settlement
Disputing a low insurance settlement can be stressful, but with the right approach, you can get the compensation you deserve.

Prepare Yourself
Before responding to an offer, review your policy and understand the value of your claim. Keep all receipts and documents for expenses related to the accident. Decide on the minimum settlement you’re willing to accept and know when it’s time to consult an insurance attorney.

Talk with the Insurance Adjuster
If the initial offer is too low, explain why. Remember, adjusters are trained to settle for the lowest amount, so it’s normal to negotiate. Don’t hesitate to reject the first offer and request a higher settlement.

If the adjuster isn’t responsive, ask to speak with a supervisor or someone higher up, and consider sending written documentation to support your case.

If negotiations fail, you can file a complaint with your provincial Department of Insurance. Hiring an experienced insurance attorney can also help you navigate the process. Let your insurer know if you need time to seek legal advice before accepting or rejecting an offer.

 

Ontario has a partial no-fault insurance system, which can be confusing. Police may lay charges, and insurance companies assign fault for settlements. The “no-fault” part means your insurer provides certain benefits regardless of who caused the accident.

Fault for Car Insurance Claims
Fault is always determined in car accidents. Police may assign guilt for traffic violations, but not all accidents result in charges. Insurance companies use the Ontario Insurance Act and the Fault Determination Rules to decide responsibility or shared fault. If you disagree, you can formally complain to your insurer and provide additional information to your claims adjuster.

Accident Benefits Claims
Claims for serious injury or death can have the highest chance of going to court, but most are settled before trial. Victims can seek compensation for pain and suffering, lost income, and future earnings, but pain and suffering is usually only considered in severe cases.

Most disputes like this are resolved in lawyers’ offices or through mediation, rather than in a courtroom. If the parties cannot agree, the case may proceed to court, with the possibility of a third-party mediator helping to settle.

Sometimes you may disagree with your insurance company about your benefits or the amount you’re entitled to. In Ontario, the Financial Services Commission of Ontario (FSCO) provides a dispute resolution process as an alternative to court.

This process is designed to be faster and more efficient than a lawsuit and includes mediation, evaluation, arbitration, and appeals. It’s thorough, impartial, and helps drivers resolve disputes.

For more details, including the full Dispute Resolution Practice Code, you can visit the FSCO website: https://www.fsco.gov.on.ca

Mid-size Sedans

  • Nissan Versa
  • Kia Rio
  • Honda Civic
  • Toyota Corolla
  • Hyundai Elantra
  • Mazda3
  • Volkswagen Jetta
  • Subaru Impreza
  • Nissan Sentra
  • Kia K4

Full-size Sedans

  • Toyota Camry
  • Honda Accord
  • Hyundai Sonata
  • Nissan Altima
  • Subaru Legacy
  • Kia K5
  • Dodge Charger

Sports Cars

  • BMW 3
  • BMW 4
  • Porsche Panamera
  • Nissan Z 2025
  • Ford Mustang
  • Dodge Charger 
  • Chevrolet Corvette

Luxury

  • Mercedes C300
  • Mercedes E350
  • Mercedes CLA Coupe
  • Mercedes GLC300
  • Mercedes GLA 35
  • Mercedes GLE350
  • Mercedes
  • Porsche Panamera
  • Porsche Cayenne
  • Porsche Macan
  • Audi A4
  • Audi A6
  • Audi A8
  • Audi Q5
  • Audi Q7
  • Audi Q8
  • BMW 3 Series
  • BMW 5 Series
  • BMW X3
  • BMW X5
  • BMW X6
  • BMW M2
  • BMW M4
  • Lexus NX300
  • Lexus RX350
  • Lexus ES350
  • Lexus IS300
  • Lexus TX
  • Land Rover Range Rover
  • Sport
  • Volvo XC60
  • Volvo XC90

Convertibles

  • Ford Mustang Convertible
  • BMW M4 Convertible

SUV'S

• Hyundai Venue
• Mazda CX-30
• Chevrolet Trax
• Subaru Crosstrek
• Honda HR-V
• Nissan Kicks 025
• Mitsubishi Eclipse Cross
• Jeep Compass
• Toyota RAV4
• Honda CR-V
• Chevrolet Equinox
• Ford Escape
• Nissan Rogue
• Hyundai Tucson
• Kia Sportage
• Mazda CX-5
• Subaru Forester
• Volkswagen Tiguan
• Volkswagen Taos
• Mitsubishi Outlander
• GMC Terrain
• Toyota Venza
• Nissan Murano
• Hyundai Santa Fe
• Kia Sorento
• Subaru Outback

Large SUVs

• Toyota Highlander
• Kia Telluride
• Hyundai Palisade
• Ford Explorer
• Chevrolet Traverse
• GMC Acadia
• Nissan Pathfinder
• Mazda CX-90
• Volkswagen Atlas
• Honda Pilot
• Jeep Grand Cherokee
• Dodge Durango

Full-Size SUVs

• Chevrolet Suburban
• Chevrolet Tahoe
• GMC Yukon
• GMC Yukon XL
• Ford Expedition
• Jeep Wagoneer 2025
• Nissan Armada 2025
• Land Rover Defender 2025

Minivans

• Toyota Sienna
• Chrysler Pacifica
• Honda Odyssey
• Kia Carnival

Pick-up Trucks

• Ford Maverick
• Jeep Wrangler
• Ford Bronco
• Toyota 4Runner
• GMC Canyon
• Toyota Tacoma
• Chevrolet Colorado
• GMC Canyon 2025
• Ford F-150
• Chevrolet Silverado
• GMC Sierra
• Ram 1500
• Toyota Tundra
• Ford F-250 Super Duty 2025
• Chevrolet Silverado 2500 HD 2025
• GMC Sierra 2500 HD 2025

Cargo Vans

• Ford Transit Cargo Van
• Mercedes-Benz Sprinter
• Mercedes-Benz Metris
• Chevrolet Express
• GMC Savana

Hybrid

• Toyota Camry Hybrid
• Honda Accord Hybrid 2026
• Toyota Rav4 Hybrid
• Toyota Prius
• Toyota Highlander Hybrid
• Kia Sportage PHEV 2025
• Hyundai Tucson PHEV 2025
• Ford Escape PHEV 2025

EVs

• Tesla Model 3
• Tesla Model Y
• Tesla Model S
• Tesla Model X
• BMW iX 2026
• Kia EV6
• Kia EV9
• Mercedes-Benz EQS Sedan
• Mercedes-Benz EQS SUV
• Mercedes-Benz EQE SUV