In Canada, motor vehicle insurance (including cars, trucks, motorcycles) is mandatory for the combination of the owner and the operator.
Vehicle insurance falls under provincial jurisdiction. Although the basics of liability, personal injury and property damage are all covered, insurance is different in every province. In B.C., Manitoba and Saskatchewan, most coverage is provided solely by a government insurer. In Quebec, bodily injury coverage is a government offering but the remainder is provided by the insurance industry, as is all auto insurance in the remaining provinces and territories. The features and characteristics of the insurance varies dramatically among these jurisdictions, but in all cases the insurance product is very highly-regulated.
Insurance by an appropriately licenced insurer and distributor is recognized as valid in all the Canadian provinces and territories and the United States. Drive safely; be properly insured.
- As we head into the most dangerous driving season, Allstate Canada Safe Driving Study reveals collisions continue to riseAre you sharing the road? Most severe collisions involve pedestrians and cyclists Markham, ON (Nov. 22, 2017) — Despite improvements in certain regions, the latest Allstate Insurance Company of Canada Safe Driving Study has found that collisions are still on the rise across Canada, with an overall ...