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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