Am I covered in an at-fault car accident?
- CTP Insurance, you’ll be covered for the costs of personal injury claims made against you in the event of a motor vehicle accident where pedestrians, cyclists, or other drivers are involved. This doesn’t include damage to your vehicle and the other driver’s, though.
- Third Party Property Damage Insurance, you may be covered for damage caused to another person’s vehicle or property, but you will not be covered for damage to your vehicle. If you have included Fire and Theft cover, you may be covered if your car is stolen or damaged by fire or attempted theft.
- Comprehensive Car Insurance, covers accidental damage to your vehicle, whether you’re at fault or not.