![]() In some provinces, you may be entitled to additional benefits if you are someone's caregiver. Accident Benefits are paid regardless of who was at fault in an accident. This coverage protects you and your family if you are injured or killed by a hit-and-run driver or an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver. 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. and Newfoundland, this covers the cost of loss or damage to your car in an accident for which you were not entirely responsible. ![]() ![]() To qualify, the other driver has to be identified, insured and found to be at least partially at fault. In some provinces, you can no longer sue another person for damage to your car. Your insurance company will look at the degree to which you are responsible for the accident and your deductible to determine how much compensation you will receive. You will be paid if you were partly or not at all responsible for the accident. Be sure to review your car insurance policy for specific details, restrictions and exclusions. Here are some coverage options to consider: You may want additional coverage to be sure you’re fully protected in case of an automobile accident, theft or damage. You are covered for the cost of repairs or the actual cash value of your vehicle in the event of a collision subject to your deductible. This covers you for specific perils such as fire, lightning, theft*, windstorm, earthquake, hail, explosion, riot and others.
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