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6 things you need to know about Car Insurance coverage in Alberta.
In Edmonton, it’s a requirement for all drivers to get basic auto insurance. But, did you know that getting the coverage you need can save you time, money, and major headaches?

1. Beyond the Basics
Third-party liability (also called personal liability and property damage) protects you for up to $200,000 in claims made by other motorists for injury or property damage. This amount is the minimum requirement and sounds like a lot of money you’d be surprised how much you may need to pay out to a driver who incurs a major injury.

Ask your car insurance provider and they’ll likely quote you in the $2 million-dollar minimum liability arena. Yes, lawsuits and other damage claims can be that expensive. Know what you should be adding to your policy for peace of mind on the road.

2. Accident Benefits and No-Fault Insurance
You’re in an accident and you need physiotherapy, rehabilitation, or have to pay for other medical expenses. The common questions are: Who covers the costs? Am I at fault? How does this affect my coverage? Alberta has a no-fault insurance system that applies to every driver in the province. Your car insurance company will provide you with accident benefits regardless of who caused the accident, i.e. who is at fault. 😀