- At-fault accidents
- An at-fault accident includes things like hitting a car in front of you, turning left in front of another car, or backing up and hitting a pedestrian or a car. Usually, the police were involved and you had to pay your insurance deductible.
- Family protection (No. 44)
- Family protection Coverage provides coverage for you and your family from the actions of an at-fault, underinsured driver. If you are travelling in a province or a state where the mandatory liability coverage is low, family protection coverage ensures that you and your family are covered up to your own policy's limits regardless of the other person's coverage levels.