What Does Car Insurance in Alberta Cover?
Car insurance is mandatory in Alberta—but there are many ways to customize your policy to ensure you’re fully protected, not just legally compliant. Whether you lease, finance, or own your vehicle, our team will walk you through your options so you feel confident in your coverage.
Mandatory Coverage (required by law in Alberta):
- Third-Party Liability
Covers injury or damage to others if you're at fault in an accident. - Accident Benefits
Covers medical costs, income replacement, and rehabilitation after a collision. - Direct Compensation for Property Damage (DCPD)
Covers damage to your own vehicle and contents when you're not at fault.
Optional Coverage (recommended for peace of mind):
- Collision Coverage
Protects your vehicle against damage from at-fault accidents. - Comprehensive Coverage
Covers non-collision damage like theft, vandalism, hail, or fire. - Uninsured Motorist Coverage
Covers you if you're hit by a driver with no insurance. - Accident Forgiveness
Keeps your premium from increasing after your first at-fault accident. - Waiver of Depreciation
Ensures you get full value for a new vehicle in the event of a total loss.