'I feel horrible': Ontario man denied theft coverage owes $55,000 for stolen truck
An Ontario man said he was shocked when his truck was stolen not once but twice, and the second time it was taken he was surprised to discover he was no longer covered for theft.
"I feel horrible. Had I known that the insurance company had canceled the comprehensive coverage I would have gone to another company," said Roger Sodhi of Toronto.
- Download our app to get local alerts on your device
- Get the latest local updates right to your inbox
Sodhi said when his 2021 Ram 1500 truck was stolen in February of 2022 police found the pick-up badly damaged in Montreal and his insurance company agreed to tow it back and repair the damages that happened during the theft.
Then, the same truck was stolen again in September.
"It got stolen again a second time. I guess they really wanted it bad, it must be in high demand these Rams” said Sodhi.
The second time Sodhi's truck was stolen his insurance company advised him he was no longer covered for theft as collision and comprehensive coverage had been dropped when his policy renewed in April after the truck had been stolen the first time.
Sodhi is with Desjardins Insurance which said it assured him he was informed by letter and on the phone that changes had been made to his policy.
"The insurance company apparently sent a notice to me that they had canceled it (comprehensive coverage) but I never got anything," said Sodhi.
Sodhi said he still has a loan on the truck and owes the bank $54,350.
“It’s painful to be paying for something you don't even have," said Sodhi.
CTV News Toronto reached out to Desjardins Insurance about Sodhi’s case and a spokesperson said, “Due to privacy reasons, we can’t discuss details of an insured’s policy. However, I can confirm that in a registered letter dated April 7, 2022, the client was informed of the decision and reason to remove certain coverages from his policy at renewal. Unfortunately, since the claim for vehicle theft was made months after on September 28, 2022, no coverage was applicable.”
The Insurance Bureau of Canada (IBC) said that insurance companies can modify coverages and make changes to a client’s policy but they must make sure the customer is made aware of the changes.
“Insurance companies have to give written notice to a policy holder when they make these type of changes," said Anne Marie Thomas, Director, Consumer and Industry Relations with IBC.
Thomas said it’s important to always pay close attention to any correspondence received from your insurance company, especially if it comes in the form of a registered letter.
“If a letter comes registered that means the insurance company is wanting to make sure that you get the information and they want proof you have received it," said Thomas.
Sodhi is adamant he didn't know his coverage had changed and is shocked he still owes more than $50,000 for the stolen truck.
You should never ignore any correspondence from your insurance company and always double check your policy at renewal time for changes in case you need to find coverage somewhere else.
Toronto Top Stories
CTVNews.ca Top Stories
'We're going to rebuild': Indigenous communities look to recover from devastating wildfires
The East Prairie Métis Settlement is one of several Indigenous communities that were hard-hit by the recent wildfires in Alberta. As the wildfire season rages on, residents and community officials are looking among the ruins, pondering how they’ll recover from all the losses.
Blue Jays pitcher 'truly sorry' for sharing anti-LGBTQ2S+ video
Toronto Blue Jays relief pitcher Anthony Bass said he is 'truly sorry' for sharing a controversial anti-LGBTQ2S+ video on Instagram.
O'Toole says CSIS told him he was focus of Chinese misinformation, suppression effort
Conservative MP Erin O'Toole says Canada's spy agency has told him he was the target of Chinese interference intended to to discredit him and promote false narratives about his policies while party leader.
Alberta Premier Smith wants to 'reset' federal-provincial relationship while eyeing sovereignty act
Fresh off leading Alberta's United Conservative Party to a majority victory on Monday night, Premier Danielle Smith says she wants to 'reset' her relationship with the federal government, while readying to invoke the province's sovereignty act over emissions targets, if needed.
Low sexual satisfaction linked to memory decline later in life: study
Low sexual satisfaction in middle age could be linked to future memory decline, according to a new study.
New study finds Canadian women are more likely to adhere to social and democratic values than men
New data from the General Social Survey by Statistics Canada examined values across different Canadian demographics and found that Canadian women are more likely to closely adhere to most social and democratic values than Canadian men.
Over half of Canadians say the city or town they live in has become noisier: poll
A new survey conducted by Research Co. reveals that over half of Canadians experience more noise in their city or town than they did last year.
U.S. officer shoots at truck driver near N.B. border crossing
Traffic is back up and running through the border crossing between Woodstock, N.B., and Houlton, Maine, after a security scare Monday.
Debt limit deal heads to vote in full House while McCarthy scrambles for GOP approval
Under fire from conservatives, House Speaker Kevin McCarthy worked furiously Tuesday to sell fellow Republicans on the debt ceiling and budget deal he negotiated with President Joe Biden and win approval in time to avert a potentially disastrous U.S. default.
'Deeply troubling': English parents group says it was left out of hearings on Quebec education bill
A parents' group representing students in English-language school boards said it is 'deeply troubling' that it was not invited to participate in public hearings on Quebec's education reform bill.
Montreal soccer coach altercation sparks debate about equipping referees with body cameras
A recent altercation at a Montreal soccer game has people wondering whether referees should wear body cameras on the field.
Lone tenant in a $400-a-month apartment could hold up major Montreal condo project
Carla White is the only remaining tenant in her building, which is slated to be demolished to make room for a 176-unit condo project. But in order to move forward, the developer must reach an agreement with White -- and she says she won't leave until she's provided with a home that offers the long-term stability she needs to ensure she won't end up back on the streets.
Pedestrian suffers life-threatening injuries after crash at Victoria Hospital
An investigation is currently underway after a pedestrian was struck by a vehicle in the parking lot of London, Ont.’s Victoria Hospital on Tuesday night.
West London, Ont. house fire causes $100K in damage, snarls evening traffic
Damage is estimated at $100,000 and the whereabouts of a pet cat remains unknown after a fire broke out on a back deck of a west London home on Tuesday evening.
VIDEO | 'He did a buck 40 down the shoulder': Driver charged after speeding down shoulder of Highway 401
A 20-year-old driver from Petrolia is facing multiple offences after Elgin County OPP received multiple complaints of a vehicle speeding down the shoulder of Highway 401.
School bus driver killed in crash near Woodstock, Ont. remembered as 'a phenomenal man'
Elementary students are among those mourning the loss of a school bus driver killed in a double fatal crash near Woodstock, Ont.
'It’s devastating': Community in mourning after fatal crash in Oxford County
The Township of East-Zorra Tavistock and the surrounding community are in mourning after a fatal crash took the lives of a police officer and a bus driver.
Driver crashes through fences, shed and into a building in Kitchener
Waterloo regional police say officers and paramedics responded to a vehicle that drove through multiple Kitchener backyards and came to rest in a building.
9 active wildfires in northeastern Ontario, highway closed again
The Ministry of Natural Resources and Forestry (MNRF) is reporting nine active wildfires in northeastern Ontario on Monday.
'Home on native land:' A new push to change O Canada's lyrics
Mississauga Mayor Bonnie Crombie hopes the city will support calling on the federal government to change the lyrics of “O Canada.”
State of emergency in northern Ontario lakeside community due to rising water levels
Mitch and Donna Bujold moved to their Nellie Lake lot in 2018 for the lakefront view and access to the water, but in recent weeks, it seems the lake has been keen on accessing their property too.
Federal government aiming to dispose of half of its office buildings with hybrid work here to stay
The federal government is planning to offload up to half of its office buildings across the country, citing the rise in remote and hybrid work.
Shopify faces class action over severance offered to recently laid off staff
A class-action lawsuit alleges Shopify Inc. reneged on a deal it offered some employees who were laid off in a recent round of cuts.
Here are the worst roads in Ottawa, according to CAA
Despite efforts from the city of Ottawa to make repairs, Carling Avenue reigns supreme as the worst road in Ottawa, and one of the worst in Ontario.
Multi-vehicle crash closes section of Highway 3 in Kingsville
Essex County OPP say a “lengthy closure” of Highway 3 between Leamington and Essex is expected due to a collision.
Victim in 'critical condition' after violent downtown assault: Windsor police
Windsor police say a victim is in critical condition after he was chased and assaulted Saturday by a group of people downtown.
OPP officer from Lakeshore mourned by hockey community
Members of the Belle River hockey community say they are in ‘complete disbelief’ over the death of OPP officer with ties to the region.
Magic Mushroom shop in Wasaga Beach forced to close
CTV News has confirmed that a magic mushroom shop in Wasaga Beach has been shut down.
With clock ticking, Minden residents take fight to save emergency department to Queen's Park
With just hours to go until the planned closure of their town's emergency department, Minden residents took their fight to save it to Queen's Park.
Thick black smoke seen after house fire in Barrie
Thick black smoke filled the sky in downtown Barrie Thursday after a house fire.
'For God's sake, stop burning': N.S. premier bans all activity in forests, urges residents to abide by burn ban
Nova Scotia Premier Tim Houston has banned all activity in forests as of Tuesday, and says the wildfire damage is “extensive” and “heartbreaking.”
Wildfire, potential ammonia leak forces mandatory evacuation order in Bedford, N.S.
A wildfire is burning in the Hammonds Plains-area near Bedford, N.S.
'There is nothing left': 151 Halifax-area homes destroyed by wildfire
A wildfire in northwest Halifax has destroyed more than 150 homes and about 50 other structures, the municipality’s executive director of public safety said Tuesday at a news conference.
Orange islands in a blue sea: Why Alberta's urban-rural political divide still exists
The electoral map has been recoloured, but Alberta's rural blue hasn't budged an inch.
Two Calgary ridings subject to automatic recounts: Elections Alberta
Calgary-Acadia and Calgary-Glenmore, both previously operated by the United Conservative Party are now painted in NDP orange by razor-thin margins.
'Somewhat shocked': Criminal lawyer questions use of force in deadly Calgary police pursuit
A prominent criminal lawyer is questioning the use of force in a deadly police pursuit in Calgary on Monday.
Priest charged in alleged sexual assault of 8-year-old girl on Manitoba First Nation
Manitoba RCMP have arrested a priest from a First Nation community who is accused of sexually assaulting an 8-year-old girl, and believe there may be more victims.
Violent crime in Winnipeg reaches highest level in 13 years: report
The number of crimes in Winnipeg increased by more than 25 per cent in 2022, which includes a record number of homicides, a spike in the use of bear spray as a weapon, and an uptick in property crimes.
Mayor wants ring of 24/7 shelters around Downtown Winnipeg
Winnipeg's mayor is proposing a plan to create a ring of 24/7 shelters around downtown Winnipeg which he says will help get those experiencing homelessness out of bus shelters and into safe spaces.
Putting Surrey Memorial Hospital's ER on diversion may be the only 'responsible recourse,' staff letter says
Frontline health-care workers at Surrey Memorial Hospital say the emergency room should be shut down to new patients if staff shortages continue to create "perilous" conditions for people in need of urgent care.
'This has looked like a war zone for years': What's next for Abbotsford’s most dangerous homeless camp?
B.C.'s housing minister promises "big changes" are coming to Abbotsford’s most dangerous homeless camp. But critics aren't buying it, saying the province has known about the notorious encampment for years and done nothing.
Vancouver woman alerting dog owners after disturbing discovery
A Vancouver woman is spreading the word after discovering pieces of bread filled with safety pins while walking her dog Tuesday morning near Ontario street and 3rd Avenue.
NDP sweep of Edmonton confirmed; Madu out as minister with fall to Ip in southwest
The Alberta NDP swept the province's capital city for a second time during Monday's provincial election.
This MLA-elect is the first Black woman to be elected to the Alberta Legislature
On Monday, Rhiannon Hoyle was elected to the riding of Edmonton-South, making her the first Black woman elected to the Alberta Legislature.
What will it take to get a 3rd-party MLA in Alberta? Probably a breakup, consultant says
It's no surprise Alberta's election was a two-horse race, but the rate at which every other party stumbled out of the gate is something not seen in the province in more than 100 years.