{"id":6647,"date":"2024-10-10T05:01:29","date_gmt":"2024-10-10T05:01:29","guid":{"rendered":"https:\/\/youset.ca\/?p=6647"},"modified":"2026-03-16T12:11:11","modified_gmt":"2026-03-16T12:11:11","slug":"third-party-liability-car-insurance","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/third-party-liability-car-insurance\/","title":{"rendered":"Why Third-Party Liability Car Insurance Is Mandatory"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">When it comes to <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">car insurance<\/span><\/a><span style=\"font-weight: 400;\">, third-party liability coverage is crucial, to the point that every Canadian province and territory mandates all drivers have it. But what makes this coverage so vital?<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In this article, you&#8217;ll discover what third-party liability insurance entails and what it covers. By understanding the fundamentals of this essential coverage, you should quickly see why it&#8217;s mandatory and how it plays a critical role in protecting your financial well-being and offering you peace of mind on the road.<\/span> <span style=\"font-weight: 400;\"><\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_b3f59319ab5cfbdca96a675168c58f11\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p>Third-party liability car insurance is mandatory in Canada because it protects you financially if you unintentionally cause injury to another person or damage to their property. Without this coverage, you could face high out-of-pocket costs from legal claims, repairs, and medical expenses.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-third-party-liability-insurance\">What is third-party liability insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Third-party liability is a <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance-guide\/\"><span style=\"font-weight: 400;\">type of car insurance coverage<\/span><\/a> <span style=\"font-weight: 400;\"> designed to protect you financially if you unintentionally cause harm to another person or their property. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Without this type of coverage, you could face substantial financial burdens from legal claims, medical expenses, and repair costs, potentially leading to significant personal and financial hardship. For this reason, it is mandatory in every Canadian province and territory.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-third-party-liability-insurance-cover\">What does third-party liability insurance cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you are ever <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-to-do-after-a-minor-car-accident-ontario\/\"><span style=\"font-weight: 400;\">involved in a car accident<\/span><\/a> <span style=\"font-weight: 400;\"> that damages another person\u2019s vehicle or property, causes injuries, or even results in their death, you could be held liable for everything from repair expenses to medical bills and legal fees. As you might imagine, these costs can add up quickly. Thankfully, <a href=\"https:\/\/youset.ca\/en\/blog\/what-does-car-insurance-cover\/\">third-party liability insurance exists to cover<\/a> those types of costs.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In fact, here are some examples of what third-party liability insurance may cover in Canada depending on the situation.\u00a0<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Medical bills for injuries to others<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Legal expenses, including attorney fees and court costs<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Property repair or replacement costs for damage you cause<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Lost wages for injured parties<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Rehabilitation costs for injured parties<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Settlements or judgments in a lawsuit<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Funeral costs in the event of accidental death<\/span><\/li>\n<\/ul>\n\n\n\n\t<section id=\"post-cta-block_e5591f838f379535097cfb4e83540db8\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on car insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-liability-car-insurance-in-canada\">Minimum liability car Insurance in Canada<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Every driver must have third-party liability coverage included in their car insurance policy. However, the minimum amount of coverage you need to have depends on your location. Below you will find a list of the minimum liability car insurance in each province and territory across Canada.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Ontario:<\/b> <span style=\"font-weight: 400;\"> Your car insurance policy must include a minimum of $200,000 in third-party liability coverage if you live in <\/span><a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/what-standard-auto-insurance-policy\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n\n\n\n<li><b>Quebec:<\/b> <span style=\"font-weight: 400;\"> The car insurance policy you purchase from a private insurer in <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/traffic-accident\/public-automobile-insurance-plan\/in-brief#:~:text=In%20Qu%C3%A9bec%2C%20the%20law%20requires,you%20may%20cause%20to%20others\"><span style=\"font-weight: 400;\">Quebec<\/span><\/a> <span style=\"font-weight: 400;\">must include a minimum of $50,000 in \u201ccivil liability\u201d coverage, however, the minimum offered by most insurers is $1 million. This is in addition to the coverage provided by Qu\u00e9bec&#8217;s public automobile insurance plan, which offers no-fault compensation for injury or death resulting from an accident.<\/span> <\/li>\n\n\n\n<li><b>New Brunswick:<\/b> <span style=\"font-weight: 400;\"> Your car insurance policy must include a minimum of $200,000 in third-party liability coverage if you live in <\/span><a href=\"https:\/\/fcnb.ca\/en\/insurance\/automobile-insurance#:~:text=Third%20party%20liability%20insurance,in%20New%20Brunswick%20is%20%24200%2C000\"><span style=\"font-weight: 400;\">New Brunswick<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> <\/li>\n\n\n\n<li><b>Nova Scotia:<\/b> <span style=\"font-weight: 400;\"> Your car insurance policy must include a minimum of $500,000 in third-party liability coverage if you live in <\/span><a href=\"https:\/\/novascotia.ca\/sns\/rmv\/handbook\/DH-Chapter7.pdf\"><span style=\"font-weight: 400;\">Nova Scotia<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> <\/li>\n\n\n\n<li><b>Prince Edward Island:<\/b> <span style=\"font-weight: 400;\"> Your car insurance policy must include a minimum of $200,000 in third-party liability coverage if you live in <\/span><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Prince Edward Island<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> <\/li>\n\n\n\n<li><b>Newfoundland and Labrador:<\/b> <span style=\"font-weight: 400;\"> Your car insurance policy must include a minimum of $200,000 in third-party liability coverage if you live in <\/span><a href=\"https:\/\/www.gov.nl.ca\/dgsnl\/insurance\/non-profit\/faq\/\"><span style=\"font-weight: 400;\">Newfoundland and Labrador<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> <\/li>\n\n\n\n<li><b>Alberta:<\/b> <span style=\"font-weight: 400;\"> Your car insurance policy must include a minimum of $200,000 in third-party liability coverage if you live in <\/span><a href=\"https:\/\/www.airbfordrivers.ca\/know-insurance\/basics\/insurance-coverages\/#\"><span style=\"font-weight: 400;\">Alberta<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> <\/li>\n\n\n\n<li><b>British Columbia:<\/b> <span style=\"font-weight: 400;\"> In <\/span><a href=\"https:\/\/www.icbc.com\/insurance\/products-coverage\/extended-liability\"><span style=\"font-weight: 400;\">British Columbia<\/span><\/a><span style=\"font-weight: 400;\">, it is mandatory to have the ICBC Basic Autoplan, which includes $200,000 in third-party liability insurance. However, there is an option to increase your coverage limit up to $5 million with \u201cExtended Third Party Liability coverage.\u201d<\/span> <\/li>\n\n\n\n<li><b>Saskatchewan:<\/b> <span style=\"font-weight: 400;\"> In <\/span><a href=\"https:\/\/fcaa.gov.sk.ca\/consumers-investors-pension-plan-members\/consumers\/purchasing-insurance\/insurance-basics\"><span style=\"font-weight: 400;\">Saskatchewan<\/span><\/a><span style=\"font-weight: 400;\">, you must have basic plate insurance coverage through Saskatchewan Government Insurance (SGI), which includes $200,000 in third-party liability insurance. However, there is an option to increase your coverage limit up to $5 million.<\/span> <\/li>\n\n\n\n<li><b>Manitoba:<\/b> <span style=\"font-weight: 400;\"> In <\/span><a href=\"https:\/\/www.mpi.mb.ca\/basic-third-party-liability-insurance\/\"><span style=\"font-weight: 400;\">Manitoba<\/span><\/a><span style=\"font-weight: 400;\">, it is mandatory to have Autopac Basic car insurance, which includes $500,000 in third-party liability insurance. However, there is an option to increase your coverage limit up to $10 million.\u00a0<\/span> <\/li>\n\n\n\n<li><b>Northwest Territories:<\/b> <span style=\"font-weight: 400;\"> Your car insurance policy must include a minimum of $200,000 in third-party liability coverage if you live in <\/span><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Northwest Territories<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span> <\/li>\n\n\n\n<li><b>Nunavut:<\/b> <span style=\"font-weight: 400;\"> Your car insurance policy must include a minimum of $200,000 in third-party liability coverage if you live in <\/span><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><span style=\"font-weight: 400;\">Nunavut<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span> <span style=\"font-weight: 400;\"><b>Yukon: <\/b> Your car insurance policy must include a minimum of $200,000 in third-party liability coverage if you live in <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\">Yukon<\/a>.<\/span> \u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-buy-third-party-liability-insurance\">How to buy third-party liability insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Buying insurance that includes third-party liability coverage is not only easy but also affordable with YouSet. When you <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">get a car insurance quote<\/span><\/a><span style=\"font-weight: 400;\">, third-party liability coverage will not only automatically be included, but our algorithms will also apply exclusive discounts, potentially saving you up to 29%! It\u2019s the best way to get better coverage for less money and in less time.&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to car insurance, third-party liability coverage is crucial, to the point that every Canadian province and territory mandates all drivers have it. But what makes this coverage so vital? In this article, you&#8217;ll discover what third-party liability insurance entails and what it covers. By understanding the fundamentals&#8230;<\/p>\n","protected":false},"author":11,"featured_media":6648,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-6647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why Third-Party Liability Car Insurance Is Mandatory - YouSet<\/title>\n<meta name=\"description\" content=\"Third-party liability is a type of car insurance coverage designed to protect you financially if you harm another person or their property.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/blog\/third-party-liability-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Third-Party Liability Car Insurance Is Mandatory\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/en\/blog\/third-party-liability-car-insurance\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-10T05:01:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:11:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/10\/What-Is-Third-Party-Liability-Car-Insurance-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/third-party-liability-car-insurance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/third-party-liability-car-insurance\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Why Third-Party Liability Car Insurance Is Mandatory\",\"datePublished\":\"2024-10-10T05:01:29+00:00\",\"dateModified\":\"2026-03-16T12:11:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/third-party-liability-car-insurance\\\/\"},\"wordCount\":759,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/third-party-liability-car-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/What-Is-Third-Party-Liability-Car-Insurance-YouSet.webp\",\"articleSection\":[\"Car insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/third-party-liability-car-insurance\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/third-party-liability-car-insurance\\\/\",\"name\":\"Why Third-Party Liability Car Insurance Is Mandatory - 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