The nice thing about auto insurance is that auto insurance consumers can choose what additional coverage beyond the mandatory levels they need and want to pay for. Knowing where to purchase insurance coverage from is the next step.
In Alberta, Ontario, New Brunswick, Newfoundland and Labrador, Nova Scotia, Northwest Territories, Nunavut, Prince Edward Island and Yukon all levels of car insurance quotes and auto insurance policies can be bought from private insurers.
In British Columbia, Manitoba and Saskatchewan a basic insurance policy can be purchased from the government while additional levels of auto insurance coverage can be purchased either through the government or a private insurer.
In Quebec mandatory insurance coverage is provided in part by both the Societe de l'assurance automobile du Quebec (SAAQ) which is a government agency and private insurers. Quebec drivers pay insurance related premiums when paying for vehicle registration and driver licensing which go towards covering them against bodily injury sustained in an accident. Any additional purchased coverage including mandatory Civil Liability coverage is purchased through private insurers.
Often times individuals involved in vehicle accidents are unable to afford the full costs associated with accidents. In order to provide a means of sharing these costs and protect its citizens Canada by law requires that all Canadian drivers obtain a minimum level of auto insurance. The mandatory level of insurance provides for situations where a person is required to pay for losses associated with property damage, injury and death caused to other people/people's property. Some provincial governments also require that drivers carry additional coverage to cover any costs associated with personal medical expenses/loss of income arising as a result of a vehicle accident.
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