In Calgary, a driver must carry mandatory third-party liability and accident benefits coverage. We highly recommend that you carry $1 million or $2 million in protection to make sure you’re not paying out-of-pocket if you’re in an accident. If you’re at fault in an accident, this coverage will help cover the medical expenses, damages and legal costs if you’re sued.
If you can’t afford to replace your car or do major repairs if it’s damaged, you can add collision and comprehensive insurance ahead of time to cover these costs, which are both optional coverages.
Depending on your budget and needs, you should consider getting optional car insurance coverage.