Third-Party Liability Insurance
This is government-mandated auto insurance that all Fort McMurray drivers must have. If you’re involved in a collision and are held responsible, this coverage can help cover injuries caused to others involved in the accident. It also helps cover your expenses if you’re sued after a collision.
If you are injured in a vehicle collision, regardless of who is at fault, accident benefits can help cover your additional medical expenses and related costs that are not covered by Alberta Health. This can include:
- Funeral expenses
- Reasonable travel expenses for medical care
- Medical expenses such as drugs, dental and medical professional services
- Reasonable funds to cover expenses during your recovery period
Accident benefits coverage is mandated auto insurance in Alberta—all Fort McMurray drives must have it.
Direct Compensation Property Damage
With this coverage, your insurer will cover repair or replacement expenses if your vehicle and its contents are damaged in a collision where another driver is fully or partially at fault.
Your insurer will provide a partial benefit if you’re partially at fault for the collision. In such situations, you will be required to cover the remaining costs—which could be covered if you have collision coverage.
Direct compensation property damage is mandatory in Alberta and was automatically added to all auto insurance policies on Jan. 1, 2022. Contact your Fort McMurray broker if you have any questions or read our direct compensation property damage frequently asked questions here.