You can find this information in the “Protections” section of your policy documents. These were sent to you via email or mail upon purchasing your policy or following any recent modifications.

In Quebec, all insurance companies provide private insurance through the standardized “Quebec Policy Form.” The policy form consists of two sections. Section A is mandatory for all car owners and covers civil liability. Section B, which is optional, covers damage to your own vehicle. With only Section A, your car insurance coverage is considered one-way.

In Ontario, a one-way car insurance policy includes four types of coverage – third-party liability coverage, accident benefits coverage, direct compensation property damage (DCPD) coverage, and uninsured automobile coverage. These coverages protect you against damages or injuries you cause to others and provide benefits for any injuries you sustain in a collision. However, damage to your vehicle or its contents is only covered up to your policy limit if the accident is not your fault.