Mercedes Car Insurance

[Not mandatory in Newfoundland] Accident benefits coverage is another mandatory type of auto insurance in Canada. It helps pay for medical expenses if you, your passengers, or even pedestrians are injured in an accident. No matter who’s at fault, you can receive compensation for medical costs through the accident benefits section of your policy.

[Not mandatory in Alberta] Uninsured automobile coverage is another required type of insurance in parts of Canada. It protects you and your passengers if you’re involved in a collision with an uninsured or underinsured driver. This coverage also helps protect Mercedes-Benz drivers in the event of a hit-and-run accident.

[Not mandatory in Ontario] If you’ve been in an accident that wasn't your fault, direct compensation-property damage coverage lets you file a claim with your own insurance company instead of working with the at-fault driver’s insurer, making the process quicker and simpler. In some no-fault provinces in Canada, this coverage is required.

Collision coverage does exactly what the name suggests—it protects you if you're involved in an accident with another vehicle or a stationary object. It helps cover the costs of repairing or replacing your car. Though it's optional, many Mercedes-Benz drivers choose to have it for added peace of mind.

Comprehensive coverage covers what collision doesn’t. It provides financial protection for situations not related to collisions, such as theft, vandalism, water damage, fire, falling objects, and more. This coverage is also optional in Canada but popular among Mercedes-Benz drivers.

One final 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.

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.