Although each province/territory has their own minimum amount of coverage you're required to have, it's important that you discuss your own auto insurance needs with your insurer. Since the unexpected can happen to anyone, your insurer can help you determine whether your third-party liability coverage limit is sufficient, or if you require more. For a general idea, many insurers including TD Insurance recommends that you have a liability limit of at least $1,000,000. Accidents can cause vehicle damage, property damage, injuries and even death, so you'll want to make sure that you have more than enough protection to cover all necessary costs. If you're an existing TD Insurance customer, you can review and/or increase your liability coverage at any time by logging into MyInsurance. Or, if you're new to TD Insurance, you can get a quote and check out your liability coverage options, and the costs associated with them.