Auto insurance vehicle photos Ontario broker

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What vehicle photos do Ontario auto carriers require?

Typically four-corner exterior photos, VIN plate close-up, odometer reading, and any existing damage. Requirements vary by carrier and MGA — verify before bind.

Why won't carriers accept Instagram photos?

Filtered, cropped, or staged photos hide damage, VIN, and odometer. Carriers need clear inspection-grade images for underwriting.

How should brokers reject bad vehicle photos?

Reject with specific notes — e.g. 'Need four-corner photos in daylight, VIN visible, no filters.' Clients resubmit when instructions are clear.

Can clients take photos from their phone?

Yes. Phone photos are fine when they meet carrier specs — full vehicle, good lighting, no filters, all four corners.

Do new business and claims need different photos?

New business typically needs pre-bind inspection photos. Claims need damage-specific images. Use separate checklist lines.

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