In Alberta, you’re required to have third-party liability, accident benefits and direct compensation for property damage (DCPD) coverages.
Third-party liability helps cover the costs associated with injury to other people if you’re held responsible for an accident. This includes legal expenses if you’re sued.
DCPD can help cover repair and replacement expenses if your vehicle is damaged in a collision that is caused by another driver. If you are deemed to be partially at fault, your coverage will only be partial – you’ll need to pay the rest out of pocket or use your collision coverage.
This can help cover the repairs or the replacement of your vehicle if you are at-fault or partially at-fault for an accident.
This helps cover the repairs or replacement of your luxury car if its damaged by something other than an accident, such as a storm or theft.
Loss of Use
This coverage provides funds to help you get around after an insured loss or while your vehicle is being repaired for a covered claim. It can be used for a transit, taxis,
and rental cars.
this loss settlement option is available only to cars within a certain age; it covers the replacement of your vehicle without subtracting depreciation.