Fiat Car Insurance

[Not mandatory in Newfoundland] Accident benefits coverage helps protect you, your passengers, or even pedestrians if they’re injured in a car accident, no matter who’s at fault. It covers things like medical bills, rehab costs, and other expenses related to recovery. Accident benefits coverage is mandatory in Canada.

[Not mandatory in Alberta] Uninsured motorist coverage is another mandatory insurance policy for some Canadians, depending on your province. This coverage helps pay for vehicle repairs if you're in an accident with a driver who doesn't have enough insurance or no insurance at all. It also covers you if you're involved in a hit-and-run.

[Not mandatory in Ontario] With direct compensation-property damage coverage, if you’re in an accident that’s not your fault, you can file a claim directly with your own insurance company instead of the at-fault driver's insurance company, which makes the process faster and easier. Direct compensation for property damage is required in some no-fault provinces in Canada.

Unlike third-party liability coverage, collision coverage is optional. It provides financial protection if you collide with another vehicle or an object on the road. You can claim this coverage regardless of who’s at fault for the accident. Just keep in mind that collision coverage only helps with property damage costs, like repairing your car.

Comprehensive coverage is another type of optional coverage in Canada that is popular among Fiat drivers. It protects you and your vehicle from a wide range of circumstances unrelated to a collision, such as theft, vandalism, fire, falling objects, and water damage.

One more type of optional car insurance coverage popular among Lexus drivers 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

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.