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YOUR CAR INSURANCE What do you really need to know?

THE ESSENTIALS MANDATORY

LIABILITY:Protects you if someone else is killed or injured or their property is damaged because of your negligence.
ACCIDENT BENEFITSProvides benefits if you are injured or killed in an accident anywhere in Canada and the United States regardless of who caused it. 
UNINSURED AUTOProtects you if you are injured or killed by an uninsured motorist or hit-and-run driver to the extent you were not at fault. 
DIRECT COMPENSATION PROPERTY DAMAGETo the extent that you are not at fault in an accident with another vehicle, your own insurer will pay for damage to your vehicle and its contents. There are options to increase the deductible to save money.
BODILY INJURY & PROPERTY DAMAGEPhysical injury and damage to property as a result of a car collision.

IMPORTANT EXTRAS

NAMED PERILSThis coverage is fire and theft coverage only
COLLISIONPays for the cost of repairing you vehicle if it is damaged in any collision. Examples include hitting another car or a runaway shopping cart.
COMPREHENSIVE This coverage pays for damage caused by any perils other than collision or overturning. Examples include hail, flood, theft, fire, or glass breakage. 
ALL PERILSThis coverage is collision and comprehensive combined with the same deductible. Also covers theft of vehicle by family member. 
INCREASED OPTIONAL ACCIDENT BENEFITSIncreases basic benefits for income replacement, medical or rehabilitation, and caregiver coverage.

STAEBLER SUGGESTIONS

OPCF 44Protects you, or an eligible family member, to the same limits as your Liability coverage if you are involved in an accident where you are not at fault, with someone who carries less or no insurance, or is unidentified (e.g. a hit and run)
OPCF 20Covers the cost of a rental vehicle while your vehicle is being repaired, if the damage or loss is caused by a peril for which you are insured.
OPCF 27Provides physical damage coverage (subject to a deductible) to vehicles that you may operate but do not own – such as a vehicle you have rented or borrowed. 
OPCF 43Removes the insurer's right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage for which you are insured. 
Keep in MindWhile the above coverages are not required if you owe money on your vehicle, your lienholder/lessor may require you to have collision and comprehensive coverage to protect their interest in the vehicle. 
Your Other VehiclesYour ATVs, motorcycles and snowmobiles have the same coverage options as your automobile.