Third party liability
This coverage protects you if you’re involved in an accident and you damage someone’s property, or if you injure or kill someone. According to provincial law, you must have at least $200,000 in liability coverage, but most people choose a limit of $1,000,000 or $2,000,000.
This coverage protects you if you or someone in your family is injured or killed in an accident, whether it’s your fault or not. It includes supplementary medical, rehabilitation, attendant care, caregiver, non-earner, and income replacement benefits.
This coverage protects you and your family if you’re injured or killed by a hit-and-run driver, or by the driver of an uninsured or unidentified automobile.
It also covers your automobile and its contents for damage caused by an identified uninsured motorist, and it is subject to a deductible.
Note: In Alberta, this coverage is included within the Accident Benefits coverage.
Other coverage is optional, but is often required by insurers when you purchase or lease a vehicle. To find out more, read Choosing the Right Kind of Auto Insurance.