Auto Insurance, anyone who owns a vehicle needs it, but do you know what coverage is right for you? There are an array of coverages and endorsements available on an automobile policy and our knowledgeable and friendly insurance brokers are here to give you the advice you need to make an informed decision. Our goal is to make sure you have the best coverage possible that suits your needs so your financial assets are protected in the event of a loss.
Below is a list of some of the many coverages that we offer on our Personal Automobile policies (conditions may apply):
Automobile Liability (sometimes referred to as PLPD):
Available limits range from the provincial minimum to $2,000,000
Covers damage to property or bodily injury of others in the event of a covered loss
Accident Benefits (Compulsory in Alberta in conjunction with Liability coverage):
Covers Medical Payments for bodily injuries above and beyond Alberta Health Care (limits apply)
Collision and/or Upset:
Deductibles from $500 and up
Covers physical damage to your vehicle in the event of a covered loss due to collision or upset
This includes coverage for hit & runs on your vehicle
Deductibles from $250 and up
Covers physical damage to your vehicle in the event of a covered loss due to anything other than collision or upset including fire, theft, vandalism, hail, windstorm, flood, and more.
Limited glass coverage – reduces your premium by limiting the glass coverage to exclude damage to your windshield due to rock chips or vandalism
Loss of Use – covers the cost of a rental vehicle in the event that your vehicle is not driveable or in for repairs due to a covered loss
Liability to non-owned vehicles – extends coverage from your vehicle to any private passenger vehicle you rent in North America
Accident Rating Waiver – protects your claims free rating in the event of an at fault loss
Waiver of Depreciation – waives the use of depreciation in the event of a covered loss on a newly purchased vehicle
And much more…!