![]() Here are some coverage options to consider:Ĭollision: You are covered for the cost of repairs or the actual cash value of your vehicle in the event of a collision subject to your deductible. You may want additional coverage to be sure you’re fully protected in case of an automobile accident, theft or damage. Be sure to review your car insurance policy for specific details, restrictions and exclusions. You will be paid if you were partly or not at all responsible for the accident. Your insurance company will look at the degree to which you are responsible for the accident and your deductible to determine how much compensation you will receive. In some provinces, you can no longer sue another person for damage to your car. To qualify, the other driver has to be identified, insured and found to be at least partially at fault. and Newfoundland, this covers the cost of loss or damage to your car in an accident for which you were not entirely responsible. Vehicle damage is not covered in Alberta, Yukon and NWT.ĭirect Compensation Property Damage (DCPD): Available only in New Brunswick, Nova Scotia, Ontario, P.E.I. It also covers damage to your vehicle caused by an identified uninsured driver. Uninsured Automobile: This coverage protects you and your family if you are injured or killed by a hit-and-run driver or an uninsured motorist. Accident Benefits are paid regardless of who was at fault in an accident. In some provinces, you may be entitled to additional benefits if you are someone's caregiver. You are responsible for amounts above that limit.Īccident Benefits: This covers medical expenses not covered by a provincial health plan, plus loss of income as the result of an auto accident. Liability: If you are in a car accident and are held legally liable for other people’s injuries, or for damage to another person’s vehicle or property, your insurance company will pay up to the total amount listed on your policy. Make sure you check the following when you compare auto insurance quotes: While insurance plans vary by province, these are the most common types of insurance you must have before you can use your vehicle. What your auto insurance plan must include ![]() Provincial governments provide a standard auto policy all companies must follow. Even when the government doesn’t provide auto insurance directly, they still regulate the coverage and rates provided.No-fault auto insurance means you enjoy the convenience of working directly with your own insurance company, even if the other driver is at fault for the accident.Whether you’re new to auto insurance or moving and want to know what you need, our summary of the main differences in auto insurance by province will help make it a bit easier. Some have government auto insurance plans, some rely on private insurance companies and others use a combination of both to meet the need. It is handled a bit differently in each province. In Canada, there’s no one-size-fits-all auto insurance solution. In Alberta, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Ontario, Prince Edward Island and the Yukon, auto insurance is mandatory and available from private insurance companies like The Co-operators. Contact your local Co-operators office to purchase this coverage and build a plan that suits your unique needs. You are also required to purchase at least $50 000 of third-party liability coverage from a private insurance company. Your public automobile insurance plan provides coverage for injury or death caused by an automobile accident. In this province, mandatory insurance is provided by a government plan.įor your convenience, you can call your local Co-operators office to discuss policy enhancements that will increase your third-party liability limit and decrease your deductibles to better meet your needs. For your convenience most of our officesĬan provide service for these plans. In this province, mandatory auto insurance is provided by Sign-in to renew your ICBC Insurance online Manitoba In this province, mandatory auto insurance is provided by ICBC. Plans vary widely depending on your vehicle, how you use it and what province you live in. ![]() If you own a vehicle of any kind, you probably know that insurance is required by law.
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