Vehicle Accident (car or recreational vehicle)
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Auto Insurance Coverage

You're asking yourself: Am I covered? Learn more here about collision coverage.

Two ways to check your insurance coverage

• Consult your insurance policy—also available at Online Client Services.
• Speak to an insurance agent at 1-888-476-8737.

Basic coverage

Certain coverage is required by law and is automatically included in your auto insurance policy.

Third Party Liability (mandatory)

After an accident, you're covered:

• If you accidentally damage somebody else's property (e.g., fence, house).
• If you accidentally cause an injury or fatality

Note: You are covered to the third party liability limits of your policy, subject to the coverages and wordings specified within your policy. Please refer to your specific wordings.

Accident Benefits (mandatory)

After an accident, you're covered:

• If there were injuries or fatalities regardless of who is responsible

In case of injury:

• Depending on the terms of your insurance policy, you may be eligible for:
  • Medical, rehabilitation, attendant care, caregiver, income replacement and non-earner benefits
  • Lost educational expenses, Expenses of visitors, Housekeeping and home maintenance, Damage to clothing, glasses, hearing aids, etc. and Cost of examinations

In case of death:

• Death and funeral benefits may be payable to your spouse and/or dependants

Direct Compensation Property Damage (mandatory)

You're covered:

• Against damage to your vehicle in the event of an accident that’s not your fault.

Collision (Section B2)

With this coverage, you're protected against damage caused to your vehicle:

• In an at-fault accident with another vehicle.
• When your vehicle hits an object, the ground or rolls over.

In case of total loss:

• We'll pay you the market value of your vehicle or the amount provided for under your policy.

Uninsured Driver

With this coverage, you're protected:

• If you or a member of your family is injured or killed in a collision caused by:
  • an uninsured driver
  • an unidentified vehicle

Your vehicle and its contents are also covered:

• Against damage caused by an uninsured driver.

Optional coverage

Each car insurance policy is different. When you took out your policy, optional coverage may have been added based on your needs. If so, here's how you're protected.

Transportation Replacement (Endorsement 20)

You're covered:

• If you can't use your vehicle as a result of damage covered under your policy.

This coverage reimburses you for certain expenses, such as:

• renting a replacement vehicle
• using a taxi or public transit while your vehicle is being repaired—don’t forget to keep your receipts!

Removing Depreciation Deduction (Endorsement 43)

With this coverage:

• If your vehicle is declared a total loss or is stolen and not recovered, we’ll replace it with a new one.

Family Protection (Endorsement 44)

With this coverage, you're protected:

• If you or a member of your family is injured or killed in a collision caused by an uninsured or underinsured driver.
• This endorsement provides coverage for the difference between the third party liability limits of your own insurance and that of the at-fault driver.

Accident-Free Protection

With this coverage:

• Your premium won't increase as a result of a first at-fault accident.
• The accident will be treated as though it never happened, as long as the Accident-Free Protection remains on your auto insurance policy.

$0 Deductible Option

With this coverage:

• You pay no deductible in the event of a covered loss.

Worry-Free Option^®

With this option, you get the following coverage:

Situation	Coverage
You rent or borrow a vehicle for a short period of time	Up to $100,000 for property damage to a rented or borrowed vehicle No additional insurance required for car or trailer rentals
Your car is stolen or is off the road following a covered loss	Up to $1,500 for transportation replacement costs
Your car breaks down	$50 per claim to cover emergency roadside assistance* *Not covered: Cost of parts, materials, gas, oil, batteries or tires

Still have questions?

Don't hesitate to call or email your claims advisor who can explain the details of your insurance coverage.

Recommended Repair Shops

The Personal offers you a network of recommended auto body shops.

Our established affiliation with these repair shops gives you the following advantages:

• Excellent service with fast turnaround
• 24/7 towing service
• Accurate damage assessment using the latest technology
• Replacement vehicle while yours is being repaired
• Repairs made by a qualified and experienced team
• The repairs are guaranteed by the repair shop for as long as you own the vehicle and a valid insurance policy with us

Recommended auto body shops

Contact your claims advisor to find a recommended body shop near you.

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Frequently asked questions

When Should I File a Police Report?

You need to file a police report in the following situations:

• Theft or attempted theft
• Vandalism
• Fire
• If a vehicle hits your house

What Is the Difference Between Collision, Comprehensive and Uninsured Automobile Coverage?

Collision covers damage to your car that’s caused when it tips over or collides with another object. For example, if you’re driving in a parking lot and you hit another car or bump into a lamp post, or if a shopping cart hits your car, the resulting damage is covered by Collision.

For other damages not covered by Collision, your Comprehensive coverage takes over. Comprehensive covers glass breakage and damage caused by theft, vandalism, wind storm, hail, fire, or earthquakes.

When you purchase both Collision and Comprehensive coverage, you’ll get the All Perils coverage, free of charge.

Uninsured Automobile coverage protects you and your family if you’re injured or killed by a driver who is not insured, or by a hit-and-run driver. It also covers your car if it’s damaged by a driver who’s not insured.

Uninsured Automobile coverage is automatically included in your policy, while both Collision and Comprehensive are optional.

To find out which endorsements to include in your insurance policy, read Choosing the Right Kind of Auto Insurance.

What Is a Material Change in Risk? How Does It Impact My Policy and Claims?

As a policy holder, you are responsible for informing your insurer of any changes made to your vehicle and/or how it is used. This includes things like vehicle modifications, changes in vehicle use (for example, commercial use), the addition of newly licensed drivers to your household, a change of address, etc.

A vehicle modification includes:

• Performance-related modifications, such as upgrading the engine
• Electronic modifications, such as upgrading the stereo
• Cosmetic modifications, such as tinting the windows

Commercial use means any change in use where the insured vehicle is now used for commercial purposes. For example, if you recently became a painter and you started using your mini-van to carry your paint and equipment, this would be considered commercial use.

You should always notify your insurer when any material change, as outlined above, is made to your vehicle. The risk of this change will be re-evaluated and may result in a premium adjustment. If you make any of the changes described above but don’t inform your insurer, the insurer can decide to deny your claim, and may even cancel or void your policy. For example, if you modify your vehicle to give it a turbocharged engine and you end up crashing, you’ll most likely be refused coverage for violating your insurance contract.

Note: If your vehicle has been modified because of a medical condition, you should still notify your insurer.

Read other questions and answers about auto insurance.

What's a Deductible?

A deductible is the amount you must pay when you make an insurance claim.

For example, if you have a $500 deductible, you pay the first $500 of the repair costs, and we pay the rest.

To find out more about this topic, read The Impact of Your Deductible on your Premium.

How Do Claims and Convictions Affect my Premium?

Generally speaking, your premium will increase if you’re at fault in an accident, regardless of whether you’re entirely or partially at fault. Tickets and convictions can also affect your premium, depending on the type of offense.

The number of at-fault claims, as well as the number of convictions, and/or the type of conviction (such as impaired driving) that you receive may also impact your eligibility for insurance.

For tips on how to save on your insurance, read Tips to Save on Home and Auto Insurance Premiums.

Read other questions and answers about auto insurance.