The government of Canada requires all drivers to purchase auto insurance policies. Each province of Canada sets its own minimum standard for the auto insurance policy coverage. The government basically requires a third party coverage, which covers the damage and injury of the victim in an accident you are responsible for. However, getting auto insurance as required by the government is not enough. Sometimes it is better for you to have an additional coverage on your auto insurance. Read on to know the different kinds of auto insurance coverage in Canada.

Different types of auto insurance coverage in Canada

There are various types of insurance coverage in Canada, and one of these is the liability coverage. This policy covers other people's injury or death for which you are responsible for. There is also the property damage liability, which covers you if your car damages other people's property. On the other hand, the physical damage coverage covers your car from damage and for repairs. There is also the collision coverage. This one covers the damage inflicted on your car when it hits or is hit by another vehicle. Another type of coverage is the uninsured motorist coverage, which covers you and your passengers.

How to get additional coverage

Before you shop for an additional coverage, you have to determine first the coverage required by the law. Then you have to determine the coverage that could protect you the most. Just make sure that you are not duplicating your coverage. For instance, if you already have medical and liability insurance, you don't need to apply for car insurance that will cover your injuries in case of an accident. You also have to consider the value and condition of your car. If your car is an old one with scratches and dents, sometimes it would cost you more to pay for its premium than to spend cash from your pocket for its repairs.

You should get an additional coverage from an auto insurance company with a good record. Before choosing a specific auto insurance coverage, you have to compare various insurance companies and their quotes. The companies differ in the plans they offer. This is why it pays to shop around before making your final decision.