Yes, if you own and drive a vehicle on public roads, you must have car insurance. Every licensed driver in Canada has access to insurance, even in provinces with only private insurers. High-risk drivers may have to pay considerably more than average, but these drivers can at least get the minimum required coverage.
I was in a car accident, and I was contacted by a representative of the other person in the accident. What should I do?
Part of our service is providing somebody to help you every step of the way. It's important that you let us know right away if you hear from a person also involved in an accident or their lawyer or other representatives.
What should I do if somebody else involved in my claim (or their insurance company) contacts me?
Part of our service is providing somebody to help you every step of the way. It's important that you let us know right away if you hear from a person also involved in an accident or their insurers or other representatives.
What are the penalties if I don't have auto insurance?
It is illegal not to have insurance on a vehicle you're using on public roads in Canada. The penalty is usually a fine, but this varies from province to province.
As well as being illegal, not having insurance is a huge risk to your financial security and your future. You must pay for damages for which you are legally responsible. Without insurance, you could have to pay personally for losses and injuries - to yourself, your passengers, other drivers, and their passengers, as well as pedestrians and cyclists. It could mean millions of dollars in costs. Not only could you lose your home and assets, but you may also lose your future earnings.
When you buy car insurance, you get a Canada Inter-Provincial Motor Vehicle Liability Card ( your insurance "pink card"). It is honoured as proof of insurance anywhere in Canada. You should keep this with you at all times and produce it when a police officer requests it.
How do I find out if my insurance policy is valid?
We can help with that. Contact us at 1.833.223.8740.
Do I have to pay for anything if the other person’s insurance company admitted it was the other person’s fault?
It depends on the situation. Your Claims Adjuster can help answer this question.
What are my obligations when I make an auto insurance claim?
When you make a claim, there are six important responsibilities to remember. These will help smooth the claims process, but also keep your coverage in good standing. These responsibilities include:
Let your insurer know of an accident or claim promptly
Give the required information about the claim and about those involved
Forward all legal documents, claims, correspondence to the insurer
Don't assume liability
Don't interfere with the claims procedures
Be completely honest - both on your application and when making a claim
Auto Insurance