Fiat Car Insurance

With accident benefits coverage, you and any passengers who were in the vehicle at the time of the incident will receive compensation if someone gets hurt or killed as a result of the incident. It covers medical expenses, such as rehabilitation programs, caregivers, income replacement and funeral expenses if necessary.

Like other insurance products, this type of coverage is mandatory. Uninsured automobile coverage will come into effect if you get into an accident with an uninsured or underinsured driver. It helps pay for damages caused by the accident even if the other driver leaves the scene in a hit-and-run and there's no one at fault for the collision.

Unlike third party liability coverage, collision coverage is optional. It offers financial protection against property damage if the policyholder collides with another vehicle or object on the road. This type of coverage can be claimed no matter who is responsible for the accident. Please note that collision coverage will only help pay for costs associated with property damage, such as vehicle repairs. It will not cover medical expenses related to injuries (this is covered under the accident benefits portion of your policy, which is mandatory in Canada).

Comprehensive coverage protects you and your vehicle from a wide range of circumstances, such as theft, vandalism, fire, and water damage. It is optional in Canada.

Accident forgiveness coverage can be added to your Fiat 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.

Also known as no-fault insurance, direct compensation coverage will help pay for damages if you get into an accident that was not your fault. This can include injuries and damages to your vehicle. However, you will only receive coverage when you are at fault if you have collision and comprehensive coverage.

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.