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YOUR CAR INSURANCE What do you really need to know?


LIABILITY:Protects you if someone else is killed or injured or their property is damaged because of your negligence.
ACCIDENT BENEFITS:Provides benefits if you are injured or killed in an accident anywhere in Canada and the United States regardless of who caused it.
UNINSURED AUTO:Protects 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 DAMAGE:To 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 AND PROPERTY DAMAGE:Physical injury and damage to property as a result of a car collision


NAMED PERILS:This coverage is fire and theft coverage only
COLLISION:Pays for the cost of repairing your vehicle if it is damaged in any collision. Examples include hitting another car, or a run-away 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 PERILS:This coverage is collision and comprehensive combined with the same deductible. Also covers theft of vehicle by family member.
INCREASED OPTIONAL ACCIDENT BENEFITS:Increases basic benefits for income replacement, medical and rehabilitation, and caregiver coverage.