If you own and operate an automobile, you are required by law to insure it. The mandatory coverage in Alberta is comprised of:
What is it?
If you are responsible for an accident causing injuries or fatalities, or if your vehicle damages someone else’s property, you may be legally responsible.
You lose control of your vehicle on ice and cross the center line striking a van head on.
Role of Third-Party Liability coverage
Your insurer will defend you in case of a civil law suit and will make any payment required by law on your behalf, up to the amount specified in your policy. Minimum coverage for Third-Party Liability is $200,000, but most drivers choose $1 million.
What is it?
If you (or any other person entitled to benefits under this coverage) are in an accident, regardless of who is at fault, this may cover a portion of the incurred expenses.
The expenses that may be covered following an accident are:
Death benefits may also be paid.
What is it?
Uninsured Motorist coverage is included with Accident Benefits. This section of your insurance policy covers you in the event of an accident with an uninsured driver or unidentified vehicle causing injury.
Role of the Uninsured Motorists Cover
The role of this coverage is to enable you, under certain circumstances, to collect compensation directly from your insurer when a third party carries no insurance or cannot be identified.
Your insurance covers you for losses for which the owner of the responsible vehicle would normally be accountable had he or she had been insured and/or identified. Note: Damage to the vehicle caused by a hit-and-run is not covered under this section.
In case of discrepancy between the information provided on this website and your insurance policy, your insurance policy prevails. Remember, the exclusions and limitations specified in your policy apply in all circumstances.
The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance advisor before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.