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What are my choices in terms of auto coverage?

If you own or drive a vehicle in Canada, you must be insured. Different provinces have different requirements, but the four mandatory elements of auto insurance are:

  1. Liability - if you cause an accident and someone sues you

  2. Accident benefits - if you or someone in your vehicle is hurt in an accident

  3. Direct compensation – property damage (Ontario only)- if your vehicle gets damaged (and it's determined you're not at-fault or only partly at-fault)

  4. Uninsured motorist - if you're in an accident with an uninsured or hit-and-run driver

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