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AUTO INSURANCE
All motorists must carry basic automobile insurance. Generally, Basic Autoplan provides coverage to protect you as a person in five different ways:
- Third-Party Legal Liability
- Accident Benefits
- Underinsured Motorist Protection
- Protection Against Hit-and-Run and Uninsured Motorists
- Inverse Liability Coverage
What Basic doesn't cover:
Basic Autoplan does not cover you outside Canada and the United States. (So, if you're driving into Mexico, be sure to buy insurance BEFORE you cross the border!) Find out about other restrictions.
Basic Autoplan doesn't cover replacement of or repairs to your vehicle, or many other risks that are covered in optional insurance.
Several things contribute to the cost of Basic Autoplan:
- Rate Classes or how you use your vehicle
- Where you live
- Your claim record
When you buy optional insurance, the amount of the premium is also affected by:
- The vehicle you drive
- What type and how much additional coverage you choose