Accident with collision: Am I covered?

You had a collision with another vehicle

Find out how you are covered by your auto group insurance in case of an auto collision.

Accident or loss?

Count on us 24/7—by phone or online


You're asking yourself: Am I covered? Learn more here about the coverage related to your incident.

Two ways to check your insurance coverage

Standard coverage

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

Third Party Liability (Mandatory)

Covers you in case of accidental property damage or bodily injury caused to others.

Collision or Upset

Covers you against damage if your vehicle rolls over or is involved in a collision.

Accident Benefits (Mandatory)

Pays benefits if you are injured or lose your life in a car accident.

Uninsured Automobile Coverage (Mandatory)

Provides coverage against accidents caused by uninsured motorists.

Direct Compensation Property Damage (DCPD) (Mandatory)

Provides coverage for damage to your vehicle if you are not or are only partially at fault for an accident.

Family Protection

Provides additional protection in the event of injury or death caused by an underinsured motorist.

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.

5-Year New Vehicle Protection

Protects your new vehicle against depreciation for up to 5 years.

Worry-Free OptionTM

A special package that combines the most popular optional coverages.

$0 Deductible Option

Ensures you pay no deductible in the event of theft, vandalism or an at-fault accident.

Liability for Damage to Non-owned Automobiles

Covers you if you damage a rented or borrowed car anywhere in Canada or the United States.

Transportation Replacement

Covers your transportation replacement costs while your vehicle is being repaired in the event of a claim.

Accident-Free Protection

Ensures you won’t be penalized for your first at-fault accident.

Still have questions?

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

Accident or loss?

Count on us 24/7—by phone or online

Find a recommended provider

Is immediate action required? Choose from our network of recommended providers. We take care of everything, and you get top quality service.

Car or recreational vehicle

  • Auto glass
  • Body shop
  • Car rental


Reasons to choose a recommended body shop

  • 24/7 vehicle towing
  • Accurate damage appraisal using state-of-the-art technology
  • Repairs are done by an experienced team and guaranteed by the body shop for as long as you own the vehicle and have an insurance policy in force with us

The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.

Worry-Free OptionTM is a registered trademark of a company affiliated with The Personal Insurance Company.