In Calgary, a driver must carry mandatory third-party liability and accident benefits coverage. We advise you to have $1 million or $2 million in protection (well above the minimum requirements) to ensure you’re not paying out-of-pocket after an accident. If you’re at-fault in an accident, this coverage will help cover medical expenses, damages, and legal costs if you’re sued.
If you can’t afford to replace your car or pay for major repairs, you must add collision and comprehensive insurance ahead of time to cover these costs, which are both optional coverages. Yes, you have to add these coverage options to your car insurance policy.
Depending on your budget and your needs, you should consider getting optional car insurance coverage. If you’re not clear on what you need, as every driver has a unique situation, please contact us asap.