Auto Insurance Coverage Primer
Wondering what covers you and your vehicle in case of an accident? Wonder no more. State Farm ® is there with the auto insurance coverage you need at a price you can afford — helping you in case of the unexpected.
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How are you covered in case of an accident?
You were distracted while backing out of a parking space and didn't see the car behind you until it was too late. You hit the car and you crashed through a fence, too. Everyone in the other car seems fine, but the other driver and his passengers go to the emergency room just to make sure.
Liability Coverage pays damages due to bodily injury and property damages to others for which you are responsible. If you're sued, it also pays your defence and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Liability Bodily Injury may cover. Liability Property Damage covers damage to property and loss of its use.
How much coverage do you need?
Every province sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it's impossible to know the most you'd have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you'd be able to afford any damages that exceed your auto insurance coverage. The higher your limits, the more likely it is that we'll be able to pay all of the damages for you. Limits higher than the province minimum might be the best choice for you.
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Please remember that the following descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. To learn more about auto insurance in your province, find a State Farm agent.