Cadillac CTS Insurance

[Not mandatory in Newfoundland] Accident benefits coverage is another type of auto insurance that’s required in Canada. It helps cover the medical expenses for you, your passengers, or even pedestrians if they are injured in a collision. Regardless of who’s at fault, you can still get compensation for medical costs through the accident benefits part of your policy.

[Not mandatory in Alberta] Uninsured automobile coverage is required in many parts of Canada. It protects you and your passengers if you are in an accident with a driver who doesn’t have enough insurance or none at all. It also helps Cadillac drivers in the event of a hit-and-run accident.

[Not mandatory in Ontario] If you're in an accident that’s not your fault, direct compensation for property damage coverage allows you to file a claim with your own insurance company rather than dealing with the at-fault driver’s insurance provider. This makes the whole process faster and easier. In some no-fault provinces in Canada, this coverage is mandatory.

Comprehensive coverage provides financial protection for things that aren’t related to collisions. For instance, it can help protect your Cadillac CTS from theft, vandalism, water damage, fire, falling objects, and more. While it’s optional in Canada, it’s a great way to add extra peace of mind.

One more type of optional car insurance coverage is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province.

Collision coverage is exactly what it sounds like. It protects you if you're in an accident (or collision) with another vehicle or a stationary object. It helps pay for property damage, like repairs to your car. While it is optional, many Cadillac CTS drivers opt for it for the extra peace of mind.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.