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This coverage protects you if you are responsible for injuring someone or damaging their property in an accident. It can help cover legal fees, settlements, and claims made against you.

✔ Recommendation: Most drivers should carry at least $2,000,000 in liability coverage to better protect against serious claims and lawsuits.

The standard benefit pays up to $65,000 for medical, rehabilitation and attendant care expenses, typically within a 5-year period. If injuries are deemed catastrophic, the standard benefit increases to up to $1,000,000.

Optional coverage is available to increase these limits, including up to $130,000 for non-catastrophic injuries or up to $1,000,000 for all injuries.

This optional benefit provides an additional $1,000,000 of coverage if you or other insured persons are catastrophically impaired in a collision.

This amount is added on top of the standard or increased medical, rehabilitation and attendant care benefits already selected.

This optional benefit may compensate you and other insured persons for lost income, up to the selected limit per week, if you are unable to work due to injuries sustained in an automobile accident. All income replacement benefits are based on 70% of your gross weekly income

Our general recommendation is to consider including this coverage, as workplace disability coverage, group benefits, and other income replacement benefits may change, be reduced, or no longer be available over time.

Catastrophic Only: This optional benefit compensates you and other persons if you or they suffer an injury deemed catastrophic under the regulation and cannot continue as the main caregiver for a member of the household who is in need of care.

Impairment: This optional benefit compensates you and other persons if you or they suffer an injury and cannot continue as the main caregiver for a member of the household who is in need of care.

We generally recommend maintaining this coverage, and we strongly recommend considering it for insureds who are the primary caregiver for a child, dependant, or other household member who relies on their care.

Catastrophic Only: This optional benefit compensates you and other persons if you or they suffer an injury deemed catastrophic under the regulation and suffer a substantial inability to perform housekeeping and home maintenance services.

Impairment: This optional benefit compensates you and other persons if you or they suffer an injury and suffer a substantial inability to perform housekeeping and home maintenance services.

We generally recommend maintaining this coverage, particularly for insureds who are primarily responsible for household tasks, home upkeep, or maintenance that may be difficult to replace following an injury.

This optional benefit is paid to the surviving spouse and dependant of a person who is killed.

We generally recommend maintaining this coverage and strongly recommend considering the higher limits available, as this coverage is often relatively inexpensive and may provide valuable additional protection for insureds and their families.

This optional benefit covers the costs of funeral expenses up to the selected limit.

We generally recommend maintaining this coverage and strongly recommend considering the higher limits available, as this coverage is often relatively inexpensive and may help reduce out-of-pocket expenses for insureds and their families.

This optional benefit compensates you and other persons, up to the selected limit per week, if you or they are completely unable to carry on a normal life.

We strongly recommend maintaining this coverage for all policyholders, as it may provide important protection where an insured person does not qualify for Income Replacement or Caregiver Benefits.

This optional benefit provides weekly dependant care expenses, for employed persons not receiving a weekly caregiver benefit.

We generally recommend maintaining this coverage and strongly recommend considering it for insureds with children, dependants, or other household members who rely on their care now or may rely on their care in the future.

This benefit may provide compensation if you or other insured persons are enrolled in and unable to continue a program of elementary, secondary, post-secondary or continuing education as a result of an accident.

We generally recommend maintaining this coverage and strongly recommend considering it for insureds who are currently enrolled in an educational program or who may pursue elementary, secondary, post-secondary, or continuing education in the future.

This benefit may provide compensation for reasonable and necessary expenses incurred by visitors if you and other insured persons sustain an impairment as a result of an accident.

We generally recommend maintaining this coverage.

This benefit may provide compensation if you and other insured persons sustain damage to clothing, prescription eyewear, dentures, hearing aids, prostheses and other medical or dental devices that were lost or damaged as a result of the accident.

We generally recommend maintaining this coverage, as it is often relatively inexpensive and may provide useful additional protection for damaged personal items.

This optional coverage will ensure that certain weekly benefit payments and monetary limits will be adjusted on an annual basis to reflect changes in the cost of living.

This endorsement will provide a buy down on the deductible currently imposed by the Insurance Act on any settlements you should be awarded for pain and suffering following an automobile accident.

This required coverage may provide compensation for damage to your vehicle and certain related losses if another driver is at fault and the accident occurs in circumstances where Direct Compensation Property Damage applies.

This optional coverage may provide compensation for damage to your vehicle if it is involved in a collision with another vehicle or object, subject to the terms, conditions, limits, and deductible under the policy.

This optional coverage may provide compensation for damage to your vehicle caused by certain events other than collision, such as theft, vandalism, fire, or certain weather-related losses, subject to the terms, conditions, limits, and deductible under the policy.