Can I be denied car insurance in Alberta?
There is a lot of misinformation that goes around when it comes to purchasing car insurance. While you cannot be denied mandatory car insurance coverage in Alberta, you can be denied optional coverage by insurers.
Mandatory Car Insurance in Alberta
The Government of Alberta requires all drivers to carry the following insurance:
- Third-party liability insurance – this helps cover costs if you cause bodily injury and/or property damage if you are at fault or partially at fault in an accident; it also includes legal expenses.
- Accident benefits – include medical, disability, death and funeral expense benefits.
- Direct compensation for property damage insurance – covers damage to your own vehicle if you are not at fault or partially at fault in an accident.
Optional Car Insurance in Alberta
Optional car insurance is anything above the mandatory minimum coverage required by the Government of Alberta, such as:
- Collision – assists with the