With this option, you are covered for losses to your vehicle other than those covered by Collision. This covers you for specific perils such as fire, lightning, theft*, windstorm, earthquake, hail, explosion, riot and others. 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. Here are some coverage options to consider: 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):Īvailable only in New Brunswick, Nova Scotia, Ontario, P.E.I. It also covers damage to your vehicle caused by an identified uninsured driver.

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. This covers medical expenses not covered by a provincial health plan, plus loss of income as the result of an auto accident. You are responsible for amounts above that limit. 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.

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