- 905-755-1962
- 369 Finley Ave unit #1, Ajax, ON L1S 2E2
- 1-855-4-ESTRADA
- admin@estradarentals.com
- 905-755-1962
Insurance Car Rental Across the GTA Since 2009
Estrada Rentals works with all major Canadian insurers—Intact, Aviva, TD, Belairdirect, Desjardins, Economical, Allstate, Wawanesa & more.
Fill out this form and one of our agents will text/call you as soon as possible.
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REVIEWS FROM OUR CUSTOMERS
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Fantastic business - super easy and very helpful.
Eashan Karnik
June 9, 2026I recently used Estrada Car Rentals for an insurance replacement vehicle, and the experience was excellent from start to finish. The team was professional, helpful, and made the process stress-free... read more
Gertt Richerdson
June 8, 2026Very pleasant and responds quickly to my calls.
Edith White
June 5, 2026 -
Amazing experience with Estrada Car Rentals for my insurance replacement rental. Every time I called, they always answered and helped me right away. Their customer service is truly 24/7 and... read more
Hussain Isabhai
May 22, 2026Amazing guys
Hassan Syed
May 21, 2026I had an excellent experience with this car rental company from start to finish. The customer service provided by Aziz was truly outstanding — he was friendly, professional, and very... read more
Melissa Dias
May 14, 2026 -
Great experience at Estrada. Pick up/drop off was simple, car was clean and had no issues at all during the time with my car! Aziz was a big help, made... read more
Mealad Ebadi
May 4, 2026Reliable and easy to Get connected , well professional service ,Highly recommended , Thank you for Month long service.
Just Truth
April 28, 2026Quick service, excellent customer service, thanks Ali & Hassan
LEO
April 15, 2026 -
Friendly and fast service.
William Fewer
April 2, 2026Great experience with Estrada Car Rental Agency through my insurance claim. The process was smooth, the vehicle was clean and reliable, and their customer service was excellent. They made everything... read more
Safee Patel
April 1, 2026Had a great experience using Estrada Rentals. Everything was communicated very well and the car was great! Staff was great and very kind. Would definitely recommend to others.
Waseem
March 31, 2026 -
I had a great experience with Estrada Car Rentals. The booking process was simple and straightforward, and the staff were professional, friendly, and very accommodating. The vehicle I received was... read more
Jack Fu
February 16, 2026i used estrada after a bad accident and these guys were very accommodating and helpful in a traumatic time. I would recommend their rental services to all. Thank You Hassan... read more
Eddie @ Penguin Health
February 11, 2026Great customer service!
Hira Gul
February 8, 2026 -
Great customer service! Got rental car delivered same day. Highly recommend them.
Hannan Ur-Rehman
February 8, 2026Amazing place to stop by, I had my flat tires fixed and no cost at all! Definitely friendly service and they even washed my car!!
Subajiny Singaravelu
February 4, 2026Great service and trust worthy people .
haithem fahmi
January 27, 2026 -
Amazing service, Aziz made sure we were satisfied with the rental we got. Truly a recommend company.
Simple Fire
January 23, 2026Very pleased!! By the time I reported my accident at the collision reporting centre, I had a brand new rental car delivered to me. Great service. would definitely recommend!
Erinna Sanders
December 5, 2025Great rental car company! got into an accident and got offered a rental from them instantly. Pick up and drop off was super smooth. Highly recommend Estrada!
Kanatheva Satgunanathan
October 22, 2025 -
Had an amazing experience with them. Highly highly recommend them as they have great customer service, deliver cars after hours and completely hassle free
Anas Kadam
October 13, 2025Outstanding service, handled everything with my insurance and kept costs transparent. Smooth and stress-free experience!
Aymun kayka
September 26, 2025Estrada Car Rentals made the entire process so easy and stress-free! I needed a vehicle through my insurance, and they handled everything quickly and professionally. The car was clean, reliable,... read more
Ayesha Dorya
September 23, 2025 -
I had the best service from these guys. Very professional and on time for everything. 10/10 recommend going here
Sohail Norat
August 27, 2025Amazing service extremely professional. I had great experience with them always ready to help and providing solutions...great work keep it up
yasir Shaikh
August 23, 2025I’m pretty happy by his behavior and his service really trustable service And I’m happy with it. We really low price thank you.
Ahmad Zia
August 22, 2025 -
We were in a serious accident on the 401 three hours from home on a long weekend and no car rental places in the town where it happened had any... read more
Eric Yelle
August 18, 2025These guys are very friendly And they have very good service
Bihtarin Amanzai
August 12, 2025Very good and instant service and they have all brand new cars. Highly recommended.
bhavesh
August 11, 2025
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Estrada Ajax took great care of me. They gave me a brand new GLC and billed insurance directly. The process was easy and stress free. Great experience would definitely recommend
Mike Harding
August 3, 2025Had a great experience using Estrada Rentals. Everything was communicated very well and the car was great! Staff was great and very kind. Would definitely recommend to others.
March 31, 2026Outstanding service, handled everything with my insurance and kept costs transparent. Smooth and stress-free experience!
September 26, 2025 -
I had the best service from these guys. Very professional and on time for everything. 10/10 recommend going here
August 27, 2025Amazing guys
May 21, 2026Very pleased!! By the time I reported my accident at the collision reporting centre, I had a brand new rental car delivered to me. Great service. would definitely recommend!
December 5, 2025 -
Very good and instant service and they have all brand new cars. Highly recommended.
August 11, 2025Estrada Car Rentals made the entire process so easy and stress-free! I needed a vehicle through my insurance, and they handled everything quickly and professionally. The car was clean, reliable,... read more
September 23, 2025Had an awesome experience with Estrada Car Rentals, when my truck broke down I gave them a call they were super quick to respond and just really kind and easy... read more
Jaisen Gill
June 10, 2025
- 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.
What Types of Rentals Do You Offer?
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.
Do You Provide Pick-Up and Drop-Off Services?
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.
What Kind of Coverage Can I Expect?
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.
Should I File an Auto Insurance Claim or Not?
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.
How Long Do You Have to File a Claim After a Car Accident?
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.
What Happens If You Don't Report a Car Accident?
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.
Is It Better to File a Claim Through My Auto Insurance or the Other Driver's Insurance?
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.
Is It Possible to File an Auto Insurance Claim Without a Police Report?
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.
What Happens After the Claim is Filed?
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.
Do All Accident-Related Claims Affect Auto Insurance?
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.
Why Do Car Insurance Claims Go to Court?
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.
Disagreeing with Your Insurance Company About Benefits?
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
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