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Standard auto insurance coverage

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Auto insurance that works for you

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We insure your vehicle to ensure your peace of mind

With The Personal’s standard auto insurance coverages, you can feel confident when you get behind the wheel.

What is Third Party Liability coverage?


Provides coverage if you have an at-fault accident that:

  • damages someone else’s property (e.g., a fence, house or hydro pole), or
  • injures or kills someone

Insurer’s tip

By law, you must have at least $200,0001 in third party liability coverage, but this may not be enough to protect you in the event of a loss. For your own peace of mind, we recommend $1 million or $2 million. These are the standard limits.

What is Collision or Upset coverage?

Required if your vehicle is leased or purchased with financing

Protects you against damage caused to your vehicle if you have an at-fault accident. For instance:

  • Your car hits another vehicle
  • Your car hits an object
  • Your car rolls over

Insurer’s tip

This coverage is essential if you have a newer car. Without it, repairs to your vehicle won’t be covered if you have an at-fault accident.

What is Comprehensive coverage?

Required if your vehicle is leased or purchased with financing

Protects you against loss or damage caused to your vehicle in situations other than collisions, such as:

  • Cracked or broken windows
  • Theft
  • Vandalism
  • Fire
  • Earthquakes, floods, windstorms, etc.
  • Flying or falling objects
  • Riots or civil disturbances

Insurer’s tip

Without this coverage, you’d have to pay for expenses like windshield repairs or the cost of replacing your vehicle if it is stolen or destroyed in a fire.

What is Accident Benefits coverage?


This mandatory coverage applies if you’re injured or killed in a car accident, regardless of who is responsible. It covers:

  • Medical, rehabilitation and funeral expenses
  • Death and income replacement benefits

Insurer’s tip

You can also increase your Accident Benefits protection with optional coverages, such as:

  • Income replacement
  • Medical, rehabilitation and attendant care
  • Death and funeral expense benefits

Learn more about the Statutory Accident Benefits options available since June 1, 2016.

Learn more about Ontario Auto Insurance Reforms

What is Uninsured Automobile coverage?


Protects you in the event of an accident caused by an uninsured or unidentified driver. For example:

  • If you are injured or killed because of an uninsured or hit-and-run driver.
  • Covers damage and loss of use for the insured vehicle and its contents, following an accident caused by an identified uninsured motorist.

What is Family Protection coverage?


Provides additional protection for everyone on your policy in the event of injury or death caused by an uninsured or underinsured motorist.

  • This protection covers the difference between the Family Protection limit on your policy, and the liability insurance limits of the other at-fault driver

Insurer’s tip

Example: You were involved in an automobile accident that caused $800,000 in damage. The other driver, responsible for the accident, was covered up to $500,000. Fortunately, you had added $1,000,000 in Family Protection coverage to your policy, which covered the $300,000 difference between the damage and the at-fault driver’s coverage.

What is Direct Compensation Property Damage (DCPD) coverage?


This coverage protects you against damage to your vehicle in the event of an accident that is not your fault or is only partially your fault and allows you to deal directly with your own insurer. This means you call us directly no matter who's at fault.

Because this coverage is mandatory, it’s automatically included in the calculation of your insurance premium.

Learn more

Learn more about the optional coverages you can add to your auto insurance policy to meet your needs.

The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply.

  1. By law, you must have at least $500,000 in third party liability coverage in Nova Scotia.